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

On 6 November 2024, kidnappers in Toronto forced Dean Skurka into a vehicle during rush hour at a downtown intersection near the National Ballet of Canada. Kidnappers later released Skurka, the CEO of cryptocurrency firm WonderFi, after receiving a ransom of $720,660. Skurka emerged from the ordeal uninjured, but his plight illustrates the growing risk of harassment, extortion, and kidnapping that executives face, particularly for those who work in the digital asset sector. Safety threats are not limited to executives in just one or a few industries. However, as digital assets have gained visibility in recent years, criminals increasingly view the sector as a ripe opportunity for ill-gotten financial gain. That means digital asset companies must reassess several protocols, ranging from their physical and digital security measures to when and how often executives surface in public settings, and even how often they use social media.Why executive security should be top-of-mind for digital asset companies

Why executive security should be top-of-mind for digital asset companies

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Read moreWhy executive security should be top-of-mind for digital asset companies

Why you need Latent Defects Insurance

Latent Defects Insurance (LDI) provides protection against the costs of remedying damage which occurs as a consequence of the manifestation of a fault in the design or construction of a building and which only becomes apparent following completion of the project.Latent Defects Insurance (LDI) provides protection against the costs of remedying damage which occurs as a consequence of the manifestation of a fault in the design or construction of a building and which only becomes apparent following completion of the project.

Martyn’s Law: the time to prepare is now

The Terrorism (Protection of Premises) Act 2025, commonly known as Martyn’s Law, is now in effect. Following a long period of campaigning and advocacy, it achieved Royal Assent in April 2025, and it is now in its 24-month implementation phase. Businesses must be compliant by May 2027, or will likely face severe penalties for non-compliance. The upcoming insurance renewal season between March and July represents a natural inflection point. It is when many businesses assess security measures, update their risk documentation, and evidence controls – all of which will be central to demonstrating compliance under Martyn’s Law. Therefore, addressing any gaps now is essential to ensure that businesses have enough time to strengthen preparedness before the law becomes enforceable.The Terrorism (Protection of Premises) Act 2025, commonly known as Martyn’s Law, is now in effect. Following a long period of campaigning and advocacy, it achieved Royal Assent in April 2025, and it is now in its 24-month implementation phase. Businesses must be compliant by May 2027, or will likely face severe penalties for non-compliance. The upcoming insurance renewal season between March and July represents a natural inflection point. It is when many businesses assess security measures, update their risk documentation, and evidence controls – all of which will be central to demonstrating compliance under Martyn’s Law. Therefore, addressing any gaps now is essential to ensure that businesses have enough time to strengthen preparedness before the law becomes enforceable.

Gender pay gap report 2025

Lockton is wholly committed to supporting the progression of women through creating a diverse, inclusive and equitable workplace. We are also committed to employing the best and most talented people and ensuring that they are paid fairly irrespective of their gender. Like all UK companies, we are required to publish data about the pay gap between male and female employees, based on data at 5th April. You can access our 2025 gender pay gap report here.Lockton is wholly committed to supporting the progression of women through creating a diverse, inclusive and equitable workplace. We are also committed to employing the best and most talented people and ensuring that they are paid fairly irrespective of their gender. Like all UK companies, we are required to publish data about the pay gap between male and female employees, based on data at 5th April. You can access our 2025 gender pay gap report here.
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.