Whether you’re building accommodation or maintaining it for the long-term, you need an insurance partner who foresees your risks, manages your challenges and protects you when things go awry. We understand the complexities of planning and financing your projects. We’re familiar with the pressures from investors and lenders. With experts in every aspect of real estate and construction, we craft residential development insurance that ensures your investments – and reputation – are built to last. Imagine an insurance solution you could truly depend on - cover that’s built to pull through when it matters most. Our ‘all-risks’ policy is designed to ensure protection in every eventuality. True tailoring – built around your needs, whether you build it, own it or manage the asset.
Specialist residential development insurance for build-to-rent (BTR), co-living, purpose built student accommodation (PBSA), affordable housing, later living and mixed-use developments. Protect construction, liability and property risks throughout the asset lifecycle.
Meet Asset Connect®
Streamline residential property portfolio management with Asset Connect®. Real-time insights, ESG tracking, and risk data - all in one secure dashboard, supported by insurance knowledge for full optimisation.
The Living Sectors include all residential-led asset classes such as build-to-rent, co-living, affordable and social housing, later living, and student accommodation. These developments face unique regulatory, financial, and operational risks that require specialist insurance and risk-management support.
What insurance solutions does Lockton provide for the Living Sectors?
Lockton provides specialist cover including construction all risk, professional indemnity, legal indemnities, property damage and business interruption, liability, and portfolio insurance for operational assets across residential and mixed-use schemes. The cover available for an individual development will depend on the agreed policy wording, limits, exclusions and insurer terms.
Residential property portfolio insurance
For investors, owners and asset managers, residential property portfolio insurance can bring multiple operational assets into a coordinated insurance programme across residential and mixed-use schemes. The programme should reflect the construction, occupancy, use and risk profile of each asset, with limits, deductibles and exclusions reviewed against the needs of the wider portfolio.
How does Lockton support clients with risk management and claims?
We help clients identify and mitigate risks throughout the full asset lifecycle from planning and development to operation. Our dedicated claims experts manage claims quickly and proactively, ensuring minimal disruption to tenants, residents, and asset performance.
How should you discuss your residential insurance requirements?
Get in touch with Lockton’s Living Sectors team to discuss your asset class, project stage, ownership or management model, financing requirements and existing portfolio. This information will help shape the conversation around construction, liability, property and operational risks. Policy availability, cover, limits, exclusions and cost will depend on the risk information supplied and the terms offered by insurers. Each asset class presents distinct, regulatory, financial and operational risks that require specialist insurance and risk management support.
