Property Insurance

Insurance programs for complex assets and changing markets.

Protecting commercial property means looking at the wider landscape.

It needs a big-picture take on risk.

Today’s property risks demand more than traditional asset protection. Rising repair and replacement costs, global supply chain disruption, and increasingly complex operating models mean a physical loss can quickly become a business-critical event, affecting revenue, operations, contractual commitments, and customer confidence.

A strong commercial property insurance program should reflect the full breadth of a company’s exposure. Not only owned buildings and equipment, but also leased locations, supplier facilities, and other third-party sites that are essential to day-to-day operations. When one link in the chain is disrupted, the financial impact can extend far beyond the damaged property itself.

That's why effective property risk management starts with a holistic view of the business and an insurance strategy built to protect continuity, resilience, and long-term performance.

Strong market position starts with strong preparation.

In a competitive property insurance market, preparation can be a decisive advantage. Clear, well-supported submissions help underwriters understand the exposure, evaluate the quality of the risk, and recognize the steps being taken to reduce potential loss.

By bringing greater clarity to values, exposures, and risk mitigation efforts, businesses can strengthen market engagement, support more efficient placement outcomes, and gain confidence that their program is positioned to respond when it matters most.

We help clients approach the market with confidence, combining deep property expertise, disciplined preparation, and a clear view of the risks their insurance program needs to address.

Clearer decisions in strategy and execution.

We help transform risk insight into smarter insurance decisions. We'll do this with you by working together to align program structure, market access, and claims readiness—turning analysis into a more resilient, responsive, and commercially effective strategy.

Clarity before placement.

Stronger placement outcomes begin well before terms are negotiated. We'll evaluate your exposure profile early, helping you make informed decisions around limits, deductibles, valuations, and coverage structure based on the realities of your operations.

Our risk engineering and loss control specialists will work as an extension of your client service team, identifying and prioritizing the key drivers of loss—from construction, fire protection, and natural hazard exposures to more complex or emerging risks such as rooftop solar, battery storage, and critical data infrastructure. Through onsite surveys, insurer coordination, and achievable risk-improvement recommendations, we'll help strengthen your risk quality and build a well-documented, ongoing commitment to loss prevention ahead of placement.

This disciplined preparation gives insurers a clearer view of your risk, reduces uncertainty during underwriting, and helps position you more effectively in the market.

Market connections.

Complex property risks often require access to multiple sources of capacity. We connect clients with the markets best suited to their domestic and international exposures, across U.S. insurers, London, Bermuda, wholesale partners, reinsurers, alternative risk transfer solutions, and specialist property markets.

By taking a market-agnostic approach, clients can create stronger competition for their risk, explore alternative program structures, and pursue outcomes that support pricing, deductible, and coverage objectives.

Passing the claims test.

The strength of a property insurance program is proven when a loss occurs. We'll test the claims angle early, helping you prepare for reporting protocols, documentation requirements, recovery expectations, and the practical decisions that can influence claim outcomes.

Together, these capabilities will help you move from understanding your risk to building a property insurance program that performs when it matters most.

Why choose us?

We’re with you from the very first conversation. We work alongside our brokerage colleagues to look at every possible risk solution — both traditional and alternative — and how these might work together to give you the best long-term value. We don’t work in silos or compete for your business. We act as a cross-functional team at every renewal cycle and in between.

We’re fully included in your insurance provision, with no extra fee. That’s not to say we won’t take on a specific fee-based project if you want us to. But in terms of identifying, implementing, and advising you on alternative risk needs, it’s all part of the service.

We’re not in-house captive managers but strategic experts who work with a range of carrier-backed providers, so we can be more consultative in our service. Without conflict of interest, we focus on finding the right solutions your business. We’ll help you evaluate captive management teams, platforms, and agreements; advise you on competitive fee structures; and work with the captive manager you choose to ensure their operating model works for you.

We use Howden’s global footprint to access markets, negotiate terms, and customize structures, no matter where you or your provider is based. We have dedicated captive teams in the UK, Malaysia, and Japan, as well as specialty teams in London who focus on reinsurance, fronting, parametrics, and multi-year structures. It means you can access flexible, specialist, offshore capacity coordinated through a single, local point of contact and accountability.

Our property insurance solutions

Commercial property insurance
Protection for buildings, equipment, inventory, and other physical assets.
Business interruption insurance
Covers lost income and extra expenses when property damage disrupts operations.
International property insurance
Coordinated coverage for businesses with assets and operations across multiple jurisdictions.
Contingent business interruption
Responds when damage at a supplier’s facility or another third-party location affects your operations.
Flood insurance
NFIP and private flood options for businesses managing flood exposure across single or multiple locations.
Analytics and CAT modeling
Helps you understand your catastrophe exposure and potential loss scenarios across your property portfolio.
Parametric property solutions
Trigger-based insurance provides faster liquidity after defined events, such as hurricanes, earthquakes, wildfires, and extreme rainfall.
Terrorism and political violence
Protection for property damage and business interruption tied to terrorism, sabotage, civil unrest, and related perils.
Cyber physical damage
Protects against property damage and resulting business interruption following a covered malicious cyber act.