Lockton’s dedicated international direct and facultative (re)insurance property practice provides best-in-class wholesale and retail placement services to clients based predominantly outside of the US and Canada.

— SPECIALTY

Property Insurance

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Smart Property (Re)Insurance. Built Around You.

Our Specialty Property team brings deep experience, strong market access and hands-on support to clients worldwide. Whether you need commercial property insurance for complex risks or support to strengthen your existing programme, we are here to help you move forward clearly and with confidence.

Our team of experienced brokers connect with all key markets, in London and abroad, to find the best terms for you. We keep things moving – from marketing, bespoke wordings and placement through to invoicing and claims. You’ll always know where things stand, and that we are right there with you.

Global reach, local focus

Lockton’s dedicated direct and facultative (re)insurance property practices provide tailored solutions for clients worldwide. We offer access to over 75 carriers across a range of markets, including Lloyd’s Syndicates. Internationally, clients benefit from our strong relationships with more than 100 London-based Lloyd’s syndicates and global insurers - ensuring broad market reach, wherever you operate.

Our services include

01
Bespoke commercial property insurance for global programmes and large individual risks

02
Seamless global placements between our London hub and global partner offices

03
EEA support through Lockton European Brokers Limited, based in Malta

04
Bespoke reinsurance and facultative solutions via our Specialty Broking Services (SBS) team

05
Programme and policy wording reviews, global benchmarking and practical, commercial advice

06
Dedicated claims team that focus on achieving the best possible outcome for our clients

Classes handled

  • Property all risks

  • Business interruption and increased cost of working

  • Machinery breakdown, contractor’s plant and equipment

  • Natural catastrophe perils (wind, flood, earthquake)

  • Deductible buy-downs

  • Alternative risk transfer including captives and parametric solutions

  • Binding authorities

  • Facultative reinsurance and retrocession

Industry expertise

Wherever your commercial premises are located, and whatever risks you face, Lockton provides the insight, cover and confidence to keep your business moving. We support a wide range of sectors, including:

  • Agriculture

  • Airports

  • Chemicals

  • Civil Works & Infrastructure

  • Education

  • Fertilisers

  • Financial institutions

  • Food and beverage

  • Healthcare

  • High Tech / Semi Cons

  • Hotels

  • Media

  • Mining & Metals

  • Multinationals

  • Ports

  • Power, Transmission & Distribution

  • Rail & Mass Transport

  • Real estate

  • Recycling / Waste Disposal

  • Renewables

  • Retail

  • Telecommunications

  • Transportation & Logistics

  • Utilities (Water, Gas, Sewerage & Communications)

  • Wood working

  • Retail

News and Insights

The adoption of digital tools and artificial intelligence (AI) in the accountancy sector has experienced exponential growth in recent years. According to the Thomson Reuters Generative AI in Professional Services Report 2025, 21 percent of accountancy firms were using AI in 2025, representing a year-on-year increase of 13 percent, the highest increase of any professional services sector surveyed. Firms of all sizes are now embracing third-party AI tools or expending significant resource to develop their own. This wave of innovation, however, has not been without incident. Firms have been censured in court judgments and by governments alike for apparent irresponsible use of AI tools. Accountancy regulators are likewise increasingly alert regarding the need to implement such tools ethically. For that reason, we have set out below some key areas of risk that accounting firms might wish to keep in mind when grappling with the development and implementation of AI tools across their firm, ensuring that any roll-out is conducted in a manner that is both responsible and compliant with professional and regulatory expectations. Accountants: Key considerations for implementing AI

Accountants: Key considerations for implementing AI

article
The adoption of digital tools and artificial intelligence (AI) in the accountancy sector has experienced exponential growth in recent years. According to the Thomson Reuters Generative AI in Professional Services Report 2025, 21 percent of accountancy firms we ...
Read moreAccountants: Key considerations for implementing AI

Top 5 risks facing food and beverage manufacturers in 2026

Food and beverage producers face various risks – such as equipment failure and cyber disruption. However, it is becoming increasingly important business leaders build in mitigation against the specific threats that could result in a product recall or withdrawal event. Food and beverage producers face various risks – such as equipment failure and cyber disruption. However, it is becoming increasingly important business leaders build in mitigation against the specific threats that could result in a product recall or withdrawal event.

Scaling up? Why product recall insurance should be your first operational investment

Businesses with ambitious growth aspirations will typically need to ‘scale up’ to meet lofty targets. However, while it can be exciting as your business looks to scale operations and enter a period of growth, this phase isn’t without risk.Businesses with ambitious growth aspirations will typically need to ‘scale up’ to meet lofty targets. However, while it can be exciting as your business looks to scale operations and enter a period of growth, this phase isn’t without risk.

Lockton Accelerates Transaction Liability Growth with Strategic EMEA Appointments

Lockton strengthens its global Transaction Liability platform with new EMEA leadership, expanding integrated M&A risk, tax, and advisory capabilities for clients. Lockton strengthens its global Transaction Liability platform with new EMEA leadership, expanding integrated M&A risk, tax, and advisory capabilities for clients.
See all news and insights

North American Property Team

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Tom Rowley

Head of North American Property
tom.rowley@lockton.com
+44 791 969 0241

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George Moss

Senior Vice President
george.moss@lockton.com
+44 782 571 5550

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Emily Challands

Senior Vice President
emily.challands@lockton.com
+44 741 085 8918

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Scott Lowden

Senior Vice President
scott.lowden@lockton.com
+44 739 138 7700

General Inquiries

Get in touch

enquiries@uk.lockton.com

International Property Team

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Andrzej Danyluk

Head of International Property & Casualty
andrzej.danyluk@lockton.com
+44 791 740 4007

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Roland Haiser

Partner
roland.haiser@lockton.com
+44 777 154 2992

Headshot Liam Kent

Liam Kent

Senior Vice President
liam.kent@uk.lockton.com
+44 207 933 2338

Paul Jones headshot

Paul Jones

Head of Parametric Solutions UK & Europe
paul.jones@lockton.com
+44 790 165 9075

General Inquiries

Get in touch

enquiries@uk.lockton.com

Specialty Property Insurance FAQs

What types of commercial properties are eligible for insurance coverage?

A wide range of commercial properties can be insured. This includes:

  • Offices

  • Warehouses

  • Factories

  • Retail spaces

  • Hotels

  • Care homes

  • Schools

  • Ports

  • Agricultural facilities

Eligibility depends on factors such as location, occupancy, construction type and use. Insurers will assess the risk profile of each property to determine suitable cover.

Policies can be tailored to reflect the specific needs of your property and business. Commercial property insurance typically covers:

  • Physical damage or loss caused by risks such as fire, flood, theft, vandalism, storm damage and other insured perils.

  • Cover for business interruption, machinery breakdown and additional costs of working.

Property insurance is not legally required by federal law in the United States. However, lenders and landlords will usually require it as a condition of financing or tenancy. Many businesses also choose to take out commercial property insurance to protect against the financial impact of damage or loss.

Building insurance covers the physical structure of your commercial premises, including walls, roofs, floors, and permanent fixtures. Contents insurance, on the other hand, protects items inside the building such as furniture, equipment, stock and machinery. Many businesses take out both types of cover to ensure full protection.