Insurance Solutions for Real Estate and Property Portfolios
Helping protect landlords, developers, managing agents and investors
Overview
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How We Can Help
Brown & Brown supports landlords, estate managers, housing associations and commercial property investors with tailored insurance solutions. We start by reviewing your assets – whether that’s one property or an extensive portfolio – to assess construction type, usage, occupancy and existing risks.
For landlords, we help arrange cover for buildings, landlord contents, loss of rent, alternative accommodation, property owner’s liability and legal costs. Whether your property is let to professionals, students or social tenants, we ensure the policy reflects usage and tenant profile.
We also support commercial property owners – arranging protection for office blocks, retail units, industrial estates or mixed-use buildings. This may include unoccupied property cover, terrorism extensions, engineering inspection and environmental liability, where relevant.
If you manage multiple properties, we can help consolidate cover under one schedule with flexible mid-term adjustments as units are added or removed. We can also liaise with lenders or leaseholders to meet insurance obligations.
Developers and managing agents benefit from our support with contract works, refurbishment cover, directors’ and officers’ liability, and liability cover for communal areas. We remain involved at renewal, mid-term reviews and in the event of a claim – providing consistent support as your property interests change.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Built for Portfolios
Market-Led Advice
Ongoing Management Support
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Your Questions, Answered
Yes. Tenants are generally only responsible for insuring their own contents. As a property owner or landlord, you need insurance for the building itself, property owner’s liability and loss of rent. Brown & Brown helps to find a policy that will keep your responsibilities protected under an appropriate landlord policy.
Yes. Many insurers offer portfolio policies that allow you to cover multiple properties under a single plan. This streamlines administration and can be more cost-effective. We help structure portfolio cover that adjusts easily as properties are bought, sold or re-let.
Unoccupied properties carry higher risks such as vandalism or water damage. We help source specialist unoccupied property cover, often with requirements around inspections, utilities and alarms. Whether it’s a temporary vacancy or a property between tenants, we’ll advise on the right level of protection.
Yes. If you manage blocks of flats or estates, insurance can include cover for communal areas, shared liability, and fixtures like lifts or gates. We help to find you a policy that includes appropriate liability cover for managing agents or directors of residents’ associations.
For SSAS (Small Self-Administered Scheme) and SIPP (Self-Invested Personal Pension) property holdings, insurance is essential to protect both the buildings and the trustees. It can cover risks such as property damage, liability claims, and investment-related losses, helping safeguard the scheme’s assets and ensure compliance.