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.

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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 onset of winter means brings with it shorter days, freezing weather, and icy roads. This makes driving increasingly hazardous; according to data from Admiral, the months from November to February see the highest percentage of severe accidents take place, with a 25% spike of car accident claims in November compared to April. Navigating the dangers of winter driving

Navigating the dangers of winter driving

article
The onset of winter means shorter days, freezing weather, and icy roads – all of which makes driving increasingly challenging. But with the festive season also seeing large numbers of journeys made by car, the likelihood of a collision is high. To keep yoursel ...
Read moreNavigating the dangers of winter driving

Why land is a strategic risk asset for data centres

Global demand for digital infrastructure has never been stronger. Cloud computing, artificial intelligence, and everyday digital life are driving record investment in new capacity. But to secure growth, it’s essential to treat land as a strategic risk asset – bringing significant value, but also introducing severe exposures from power availability to planning permissions.Global demand for digital infrastructure has never been stronger. Cloud computing, artificial intelligence, and everyday digital life are driving record investment in new capacity. But to secure growth, it’s essential to treat land as a strategic risk asset – bringing significant value, but also introducing severe exposures from power availability to planning permissions.

Digital assets and probate: key considerations for executors

Digital assets – from cryptocurrency and non-fungible tokens (NFTs), to stablecoins, central bank digital currencies (CBDCs), and more – is a rapidly evolving field. Once a niche interest, around 12% of UK adults now own some form of digital assets – equivalent to 7 million people. According to Financial Conduct Authority research, consumers increasingly view these assets as part of their wider investment portfolio. For law firms and solicitors working in wills and probate, it is becoming increasingly common to see estates that include some form of digital assets. But with this comes new forms of risk – which practitioners can no longer afford to overlook:Digital assets – from cryptocurrency and non-fungible tokens (NFTs), to stablecoins, central bank digital currencies (CBDCs), and more – is a rapidly evolving field. Once a niche interest, around 12% of UK adults now own some form of digital assets – equivalent to 7 million people. According to Financial Conduct Authority research, consumers increasingly view these assets as part of their wider investment portfolio. For law firms and solicitors working in wills and probate, it is becoming increasingly common to see estates that include some form of digital assets. But with this comes new forms of risk – which practitioners can no longer afford to overlook:

Ensuring the bankability of long duration energy storage

As renewable energy plays an increasingly vital role in the global energy mix, forms of long-duration energy storage (LDES) are vital to meet overall energy demand, manage price volatility, and ensure reliable supply during periods of low generation. But as energy demand continues to grow, developers are increasingly targeting longer durations, and more complex projects. Inevitably, this introduces new challenges and risks that must be managed to make LDES a bankable prospect.As renewable energy plays an increasingly vital role in the global energy mix, forms of long-duration energy storage (LDES) are vital to meet overall energy demand, manage price volatility, and ensure reliable supply during periods of low generation. But as energy demand continues to grow, developers are increasingly targeting longer durations, and more complex projects. Inevitably, this introduces new challenges and risks that must be managed to make LDES a bankable prospect.
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
+442079331966

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.