Protecting your investment is paramount. And that means making sure you’ve adequately managed all the unique risks that come with purpose built student accommodation. Standard property insurance won’t pick up all the unique challenges student housing entails, from construction delays to loss of rental income and alternative accommodation costs. That’s where specialist purpose built student accommodation insurance comes in - offering tailored solutions that protect your property and your revenue stream from unexpected events.
Tailored specialist protection for your assets
Protecting your investment is paramount. And that means making sure you’ve adequately managed all the unique risks that come with purpose built student accommodation. Standard property insurance won’t pick up all the unique challenges student housing entails, from construction delays to loss of rental income and alternative accommodation costs. That’s where specialist purpose built student accommodation insurance comes in - offering tailored solutions that protect your property and your revenue stream from unexpected events. With more than a decade’s experience in the purpose built student accommodation sector, Lockton understands these unique challenges inside and out. Our bespoke insurance policies are designed to cover everything from physical damage and liability during construction to long-term revenue protection once the property is operational. Supported by all leading real estate insurers and powered by our innovative ’Asset’ system, we provide comprehensive cover that non-specialist brokers can’t match, making sure you have the protection you need, when you need it.
What we bring to your business
What we cover
Engineering insurance and inspections
Professional Indemnity and Directors & Officers liability cover
Environmental Impairment Liability cover
Performance and advance payment bonds
Rights of light and judicial review cover
Affinity products for new revenue streams
Engineering insurance and inspections
Professional Indemnity and Directors & Officers liability cover
Environmental Impairment Liability cover
Performance and advance payment bonds
Rights of light and judicial review cover
Affinity products for new revenue streams
Who we cover
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose-built student accommodation providers
Real estate investors and developers
Construction companies and contractors
Property management firms
Universities and educational institutions
Private landlords with student housing assets
Mixed-use property owners with purpose-built student accommodation components
Housing associations with purpose-built student accommodation interests
Overseas investors in purpose-built student accommodation markets
Lenders and financial institutions with interest in purpose-built student accommodation developments
Purpose Built Student Accommodation Brochure
Read hereOur Purpose Built Student Accommodation Insurance team
Sarah Penlington
Senior Vice President, Lockton
sarah.penlington@lockton.com
+44 7917 514 065
Daniel Rix
Account Handler
daniel.rix@lockton.com
+44 7825 866 941
Alex Fuller
Senior Vice President
alex.fuller@lockton.com
+44 7950 203 183
Oliver Pearman
Producer
oliver.pearman@lockton.com
+44 7950 203 183
Get in touch
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Purpose Built Student Accommodation Insurance FAQs
Why should businesses like yours consider buying specialist purpose-built student accommodation insurance?
Purpose-built student accommodation is a niche market with unique risks that standard insurance may not fully cover. Sourcing the right specialist insurance will ensure you’re properly protected from both common and uncommon risks that affect this sector. For example, it can cover revenue loss due to vacancy gaps or damage requiring extensive repairs. The right insurance safeguards against liabilities and provides tailored coverage for things like construction defects or cyber risks. This allows you to manage risk more effectively and reduce costs in the long run. It’s about being prepared for all possibilities and proactively protecting your investment.
What makes specialist insurance more valuable than a general property policy?
A standard property policy typically won’t address the complexities of student housing risks. Specialist insurance provides tailored coverage for property damage, loss of rental income, and liability claims that general policies might exclude. It covers situations like construction delays, alternative accommodation costs, and specific revenue risks. A tailored specialist policy will also take account of issues like high tenant turnover and the student income structures. Having a specialist policy means fewer coverage gaps and enhanced financial protection against unexpected events. It’s about getting comprehensive coverage that matches the specific challenges of your business.
Why choose Lockton for our purpose-built student accommodation insurance?
Lockton brings more than a decade’s expertise in purpose-built student accommodation insurance, offering bespoke solutions that address your specific sector challenges. Lockton’s specialist team have developed tailored policy structures to manage unique risks, such as upfront revenue risks and construction delays. Lockton’s ’Asset’ system centralises all data relevant to insured properties, making administration and claims management efficient. With over 18 major insurers supporting its policies, Lockton offers reliable and comprehensive coverage options. Lockton’s team of experts also provides regular reviews, market updates, and innovative insights to help you stay ahead of risks.
What additional benefits does Lockton offer that other insurance providers may not?
Lockton goes beyond standard insurance by providing advanced climate modelling and risk analysis to help clients understand long-term exposures. Lockton’s Claims Code ensures a seamless and transparent claims process, backed by experienced advocates to support complex cases. Lockton also collaborates with technology partners to offer innovative risk mitigation tools, such as water leak detection and earthquake sensors. With dedicated account management, Lockton offers a truly personalised service that adapts to your evolving needs. It’s a holistic approach that combines expertise, technology and client-centric support.