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

Get in touch (opens a new window)

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.

1900x1067

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

As new data centres continue to come online, insurance buyers are benefiting from favourable market conditions. The highly engineered nature of modern facilities has sharpened the industry’s focus on risk engineering, creating an attractive proposition for insurers and prompting competitive rating structures. This has supported an influx of new capacity across the UK, US, and Asia, with notable lines deployed by FM Global. In the months ahead, attention will turn to structuring programmes for data centres of increasing scale and value. Projects that once involved modest builds have evolved into multi-billion-dollar campuses, bringing heightened aggregation concerns as highvalue assets cluster within single regions. Despite the market’s maturing, many insurers may not have previously underwritten assets of this magnitude.Data Centre Market Update: Q1 2026

Data Centre Market Update: Q1 2026

article
Market overview As new data centres continue to come online, insurance buyers are benefiting from favourable market conditions. The highly engineered nature of modern facilities has sharpened the industry’s focus on risk engineering, creating an attractive pro ...
Read moreData Centre Market Update: Q1 2026

Industrial and logistics: risk considerations in industrial open storage growth

Industrial open storage (IOS) makes use of large, open spaces designated for industrial use to stow weather-resistant equipment, materials, and vehicles. The unique profile of IOS assets have enabled it to play a crucial role in the further expansion of the industrial and logistics (I&L) sector. And in the last two years, IOS rents have surged by 36% – according to research from Knight Frank.Industrial open storage (IOS) makes use of large, open spaces designated for industrial use to stow weather-resistant equipment, materials, and vehicles. The unique profile of IOS assets have enabled it to play a crucial role in the further expansion of the industrial and logistics (I&L) sector. And in the last two years, IOS rents have surged by 36% – according to research from Knight Frank.

Lockton announces partnership with RM Sotheby’s and Chubb

London, 27 January 2026 - Lockton, the world’s largest independent insurance broker, has announced a new partnership with RM Sotheby’s, the world’s largest privately held insurance brokerage firm, with underwriting provided by Chubb. London, 27 January 2026 - Lockton, the world’s largest independent insurance broker, has announced a new partnership with RM Sotheby’s, the world’s largest privately held insurance brokerage firm, with underwriting provided by Chubb.

Managing mental health risk in law firms: a shared responsibility

Within the legal industry, staff wellbeing is no longer just an HR initiative – it’s a strategic priority that impacts every facet of each firm. While HR traditionally leads efforts to improve mental health and wellbeing, risk management teams also have a critical role to play. Within the legal industry, staff wellbeing is no longer just an HR initiative – it’s a strategic priority that impacts every facet of each firm. While HR traditionally leads efforts to improve mental health and wellbeing, risk management teams also have a critical role to play.
See all news and insights

North American Property Team

Placeholder image

Tom Rowley

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

Placeholder image

George Moss

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

Placeholder image

Emily Challands

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

Placeholder image

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

Placeholder image

Andrzej Danyluk

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

Placeholder image

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.