Real Estate Insurance & Risk Management

Real estate is a fundamental building block of our economy, and any risks to this sector can impact the country as a whole. Organizations require a risk management strategy that provides certainty for stakeholders and delivers cost effective solutions to deliver on project goals.

Throughout the lifecycle of property investments – from site acquisition, design, construction, and the on-going asset management – JLT Specialty USA serves as a strategic partner to our clients. 

Our real estate team manages a cross-section of commercial and residential property clients ranging from FTSE 100 companies to individual property owners.

We understand the complexities of this evolving industry, and our team of specialists have the in-depth experience and deep industry expertise to solve the most complex areas of risk.

Real estate is our passion. Our success ultimately derives from our team of highly experienced insurance practitioners with a stronghold within the real estate sector. Whether our clients are funding, developing, buying, selling, building, holding or managing property portfolios - we understand your unique risk profile and the key services required.


Real Estate What we do
Real Estate What we do

As a specialist real estate broker, JLT’s dedicated team manages the full spectrum of property transactions, encompassing pre and post transaction requirements, including:

Commercial and residential insurance
We assess your property portfolio and claims history, and make recommendations on restructuring your insurance placement. Our team provides informed proposals on risk management with options for improving premiums and minimizing the inconvenience of claims.

Legal indemnities insurance
During a land or asset purchase organizations may encounter title issues that can delay completion or put future developments at risk. Our specialist team creates unique wordings that suit the specific nature of your site. These wordings take third parties into consideration and can be placed for existing properties or for developments pre and post-planning.

M&A insurance
M&A insurance enables sellers to achieve a clean exit following completion of a deal. We help buyers receive the financial protection they need through a tailored insurance policy covering the warranties and tax covenant given as part of the sale.

Due diligence insurance
In providing finance for a real estate acquisition, organizations need to be sure that the asset in question is adequately protected. JLT advises our clients on the drafting of the insurance requirements under loan facility agreements. We review the borrowers’ insurance against this standard, providing organizations with the confidence that they are compliant and offer simple, cost-effective solutions to any shortcomings.

Construction insurance
For 30 years, our construction team have worked in partnership with our clients, delivering excellent solutions which shape the construction insurance industry. Our construction team works across the breadth of building, civil works, engineering risks, and facilities management to provide fit-for-purpose solutions to the most complex areas of risk.


We arrange the following insurance cover:

  • Operational covers
  • Merger and acquisition (M&A)
  • Title and share
  • Directors and officers (D&O)
  • Errors and omissions insurance (E&O)
  • Property manager/ surveyors professional indemnity

Should subsidence occur to a property built on a made up land or landfill, there is a standard market exclusion which can be negotiated on during renewal.

While insurer attitudes towards covering a lenders interest have become much more flexible, we would advise you to engage with your broker at the earliest opportunity to review the insurance requirements, and to then negotiate a compromise position where both the lender and insurer are comfortable.

This is a very specialist area of law, and organizations need to consult with specialist rights to light surveyors. Engaging early with a specialist broker can ensure that they work with your advisors to devise a strategy to deal with the risk in the most cost and time effective manner.

Legal indemnity policies are designed to protect organizations against either a specific legal defect or an unknown title risk. This risk transfer creates asset protection and often allows a situation to be resolved in a more cost and time effective manner than standard legal routes. Our specialist team provides covers from highly unusual legal defects to more standard risks, such as restrictive covenants, access rights, rights to light, and portfolio due diligence covers.

Your insurance broker would defend any challenges to your insurance policy by reviewing the lease obligations in conjunction with the query raised, and then highlighting the appropriateness of your program.


  • We are a team that responds quickly and we pride ourselves on being available to you when you need us most. We know this is crucial to you and your business's success, and will do everything we can to deliver at the point required
  • All of our central capabilities are under one roof, allowing us to provide a smooth and integrated service. This enables us to provide advice on any area at any point during our service whenever it is needed, aligned to the program
  • Our strong relationships with the right insurers in the market, dealing with them every day, means that we leverage not only the price, but also the coverage
  • We have a dedicated team of specialists focused on this sector, the majority of which have more than 25 years’ experience.  But what really sets us apart is our people - we employ market-leading specialists who enjoy and value their work
  • We involve our dedicated claims management experts at the outset for their insights when designing insurance programs. We leverage their expertise to avoid any ambiguities in the wording, and we work with markets that are claims responsive.

Case Studies

Real Estate Case Study

50% Premium reduction
JLT was appointed in 2010 and inherited an insurance program with varying insurance carriers, renewal dates and basis of coverage across 13 European territories. Following detailed discussions with the individual fund managers, we improved a group insurance program with a standard broader basis of coverage, lower premium cost, and common renewal date with an agreed panel of insurers.

In addition, our team of specialists negotiated a significant risk management fund to be made available by the insurers, to be utilized on the robust risk management strategy designed and managed by JLT. Over a five year period we retained the appointment and installed a JLT member of staff to act as in-house risk and insurance manager (at no cost to the client), reducing client exposures and reducing premium levels by a further 50%.

Real Estate Case Study

Rights to light Strategy
A JLT client recently offered funding on a development with an insurance policy that was already in place. The policy did not allow neighbourly matters, and these were later discovered to be necessary to facilitate the development. We highlighted this deficiency but our client advised us that the developer’s insurer was not willing to offer any changes to the policy.

This left the developer with an unsavoury choice: changing their rights of light strategy or paying for another policy. We were able to provide a right of light policy to ensure that any possible compensation can be capped/budgeted for, with the insurance policy picking up the “unknown” costs above that budgeted figure.

Claims capabilities

Our claims specialists are an integral and critical part of JLT. Our experienced team works close to the market, alongside our client-facing teams in the US. Our services include:

  • Manage insurer and loss adjuster performance
  • Provide vital management information reports
  • Hold bi-annual claims review meetings
  • Discuss claims trends for large and/or contentious claims

Through our aligned approach, we have established a reputation for getting results and resolving long running complex claims, while providing first-class service. We offer:

  • A proactive approach to claims management, contactable 24/7, 365 days a year
  • Excellent working relationships with all leading carriers
  • Excellent working relationships with all leading loss adjusters.

Risk management

Risk management is an important function of any real estate business. Recognizing the specialist nature of the real estate sector, we partner with a number of the industry’s leading providers to offer a suite of risk management services, such as leak detection, thermographic testing site audits, fire risk assessments, crisis management reviews, claims defensibility and provision of training.

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