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

Lockton, the world’s largest independent insurance broker, is proud to announce a two-year sponsorship of Data Cloud, a leading platform for thought leadership in the data centre, cloud, artificial intelligence, and digital infrastructure sectors. Lockton announces 2-year sponsorship of Data Cloud to support evolving Data Center Risks Landscape

Lockton announces 2-year sponsorship of Data Cloud to support evolving Data Center Risks Landscape

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Read moreLockton announces 2-year sponsorship of Data Cloud to support evolving Data Center Risks Landscape

Why risk needs to be part of your renewable project narrative

As part of a global push towards a decarbonised grid, renewable project developers and investors are navigating increasingly complex risks, often beyond what standard project planning and contractual counterparty negotiations can manage. Proactive risk framing and insurance partnership strategies can help project developers and investors to better manage uncertainty and make their assets more bankable and tradable.As part of a global push towards a decarbonised grid, renewable project developers and investors are navigating increasingly complex risks, often beyond what standard project planning and contractual counterparty negotiations can manage. Proactive risk framing and insurance partnership strategies can help project developers and investors to better manage uncertainty and make their assets more bankable and tradable.

Lockton Surpasses $4B in FY2025 Revenue

Lockton surpasses $4.0B in FY2025 revenue, driven by industry-leading organic growth and relentless focus on client.Lockton surpasses $4.0B in FY2025 revenue, driven by industry-leading organic growth and relentless focus on client.

Cyber-physical risk in the marine sector: a wake-up call from the MSC Antonia

The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident. This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks. Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs. The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident. This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks. Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs.
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.