Real Estate & Development
Insurance and documentation for developers, investors, and owners across every stage of a property's life.
Every stage of a project carries different risks.
During construction, the main risks are physical damage to the works and injury to people on and around the site. After handover, they shift to the completed building, the people who use it, and the rental income it produces.
Lenders, investors, and buyers all want evidence that those risks are covered and that the security documents behind the financing are properly registered. We handle both.
What to insure at each stage.
| Stage | Key risks | Typical cover |
|---|---|---|
| Land and pre-construction | Liability on the site, professional design errors | Public liability, professional indemnity for consultants |
| Construction | Damage to the works, injury to workers and the public | Contractors' all risks, third-party liability, workmen's compensation |
| Handover and defects period | Damage during maintenance visits, latent defects | Maintenance cover, extended liability |
| Operation and leasing | Fire, flood, tenant claims, lost rent | Property all risks, loss of rent, property owner's liability |
| Sale or refinancing | Lender requirements for cover and security | Policies endorsed to the lender, registered mortgages |
We also notarize and register the security behind development loans.
Mortgages, assignments of sale proceeds, and guarantees given to lenders must be executed and registered correctly to protect the lender. Our legalization and registration team manages those formalities alongside your insurance.
Clients across the property chain.
Developers
Construction and operational cover, plus documentation for project finance.
Investors and landlords
Portfolio property cover with loss of rent and owners' liability.
Owners' associations
Building insurance for towers, communities, and shared facilities.
Need protection for your future?
Global coverage, trusted assurance. Our advisors are available Mon – Sun 9:00 AM – 6:00 PM.