Real Estate insurance

Our Real Estate team are at the forefront of solution development for clients with property assets in the UK, Europe, and beyond

We have unmatched expertise in designing and procuring competitively-priced insurance solutions, ranging from owners of single buildings to large institutional investors with pan-European portfolios.

Why choose Howden?

Transferring huge risks
Risk looms large at all stages of the real estate lifecycle. You want an experienced partner with specialist capabilities to be by your side throughout. And when things go wrong, we will be with you to ensure that claims are resolved quickly and effectively.
We take our role as your broker very seriously; speaking up for our clients’ interests is what we do best.

Risk solutions built on insight
In the Real Estate sector, risk creates uncertainty that can increase costs, erode stakeholder confidence and hinder the delivery of project goals. We use risk management and insurance strategically to reduce this uncertainty, giving your business a competitive edge. 

Responsive wordings, ready to serve
The proof of insurance is in the claims – this is where we excel. That’s because we handcraft contracts for client satisfaction from the get-go. We know the gaps where claims often fall down – that’s the benefit of having a real expert on your side. Why risk an off-the-peg policy and get let down where it matters

Legal Indemnities
Howden has the experience and expertise to help you reduce or mitigate legal risks arising from property transactions, whether it’s an acquisition or disposal or to protect a development opportunity.

Our breadth of resource, flexibility and access to leading insurers in this sector enable us to carefully appraise individual requirements in order to determine the most appropriate solution for each particular risk, at the most competitive price. 

Third-Party Broking
Sitting within the London Real Estate team is an integrated Third Party Brokering team, offering broking facilities to UK Brokers allowing them exclusive access to Howden’s market-leading Real Estate offering.

Our team works in partnership with a variety of brokers varying from property owner specialists, large regionals and smaller independent brokers, understanding their requirements and tailoring bespoke solutions to assist in winning new business and retaining their current client base.

Support at all stages of the life cycle

Our team offers extensive advice and support throughout the lifecycle of our clients property investments; from site acquisition, constructions phase, to the on-going risk management of the asset.


Due diligence
Within commercial real estate transactions, there is often a complex web of insurance arrangements that need skill and expertise to understand and put into context in the interest of the client – be that a funder, purchaser or vendor.
Detailed and expert consideration of the insurances during the due diligence process will lead to an informed outcome in any decision making process.

The Howden Real Estate Due Diligence team is highly experiences in the Real Estate Insurance sector. We can help with establishing the appropriateness of inherited arrangements, and recommending improvements to agreed standards. We can also call upon the additional specialist resources within the wider Howden group, in the UK and across the world.

Portfolio management

Risk management
Risk management is an increasingly important function of any Real Estate organisation. Howden partner with a number of the industry’s leading providers in order to offer a range of risk management services to our clients. This includes; leak detection, thermographic testing, fire risk assessments, crisis management review as well as claims defensibility.

Claims capabilities
Howden’s approach to claims handling is to listen to clients’ needs and design a claims solution that will complement the way our clients run their business.

Our in-house claims management team help in reviewing your processes to identify any potential areas of improvement in claims handling, and simplifying the claim process in order to quickly progress to settlement. We will work with you to understand your risks, better analysing your claims data, identifying claims trends and identifying risk management initiatives in order to drive improvements.


Achieving a clean exit
The Howden M&A team can provide Warranty and Indemnity (W&I) Insurance to reduce the risk of contingent liabilities arising from future claims, allowing sellers a clean exit. Warranty and Indemnity Insurance (W&I) provides assurance that if something comes up, even after the deal has been complete, the situation can be rectified without the need to engage in allow sellers to move seamlessly to their next investment or immediately distribute funds elsewhere.

G@teway – our easy-to-navigate portal

Howden’s system G@teway has been built in house exclusively for the Real Estate
team and represents a step forward in terms of risk and insurance software in the sector.

G@teway has been developed by a team who have previously collected awards for their work in this area, and makes use not only of their experience in building Property Owners IT solutions but also harnessing the rapidly advancing technology available. 

Whilst other systems are largely built on what brokers think clients need, G@teway is has been entirely shaped by the clients who use it, incorporating their feedback and enhancements.

steps up to front door of grand, old, red brick house

Additional covers

The Howden team are here to provide you with all the cover you need to protect against your complete risk profile. Utilising the Howden network, we can provide advice on which additional covers we would recommend for your business, including:

  • Cyber insurance
  • Environmental Impairment Liability – insuring you for risks arising from your past or current operations for which you retain legal liability. 
  • Directors and Officers(D&O) insurance
  • Professional Indemnity
  • Terrorism insurance.


Ready when you are

Let's talk...

+44 (0)20 3468 9782

We'll put you in touch with the person best equipped to help.

A photo of Gary Reed

Gary Reed

Gary helps Property Investors and Asset Managers find the right home for their Real Estate placements, ensuring the process is kept simple and efficient for his clients. Gary works alongside a team with 70 years of combined experience, so you can be assured that your risk is being managed by experts.