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 cover that ensures your investments – and reputation – are built to las

REAL ESTATE & CONSTRUCTION

Living Sectors

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You build the future, we protect it

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 cover 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.

What we bring to your business

  • Legal indemnities and transactional risk

  • Construction all risk and project insurance

  • Employers, public and Property Owners’ liability

  • Advice with complex financing and planning

  • Engineering insurance and inspections

  • Professional Indemnity

  • Unique ‘all-risk’ coverage with Lockton’s Asset II policy wording

Risk solutions for the living sectors

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Our Living Sectors Team

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Gregg Cordell

Partner
gregg.cordell@lockton.com
+44 7917 053 440

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Sarah Penlington

Senior Vice President
sarah.penlington@lockton.com
+44 7917 514 065

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Libby Bado

Vice President
libby.bado@lockton.com
+44 207 933 1324

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Alex Fuller

Senior Vice President
alex.fuller@lockton.com
+44 7950 203 183

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Living Sectors Breakfast Seminar:

Join us at our upcoming Living Sectors Breakfast Seminar: Risk, Resilience and the Future of Development, as industry experts come together to explore what's next for the UK Living Sectors.

Find out more
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Living Sectors FAQs

What are the Living Sectors?

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.

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.

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.