Creative Solutions

Whether you work in commercial or residential real estate, Lockton’s expert team can support your portfolio with creative insurance and risk management solutions. We start by understanding your business goals, and then we connect them to your risk management and employee benefit objectives.

Our knowledge of the insurance market – and our relationships with real estate underwriters – gives us the edge, and you benefit from it. We negotiate the best policy terms at competitive rates from reputable insurance carriers around the world.

Lockton offers comprehensive solutions for Private Finance Initiatives (PFI) and Public Private Partnerships (PPP). This includes due diligence consultancy for lenders and governmental entities. We also offer risk management solutions for contractors involved in building and civil engineering projects.

Providing expert solutions to the world’s leading real estate owners, managers and developers”


Lockton’s clients represent every aspect of the real estate industry, including:

  • Asset managers
  • Condominium associations
  • Contractors
  • Fund managers
  • Hotels and motels
  • Managing agents
  • Multifamily owners and managers
  • Property developers and owners
  • Real Estate Investment Trusts (REITs)
  • Resorts


You benefit from our expert advice on the following coverages:

  • Property insurance (including business income, extra expense, lost rents, boiler & machinery, NFIP, DIC, builders risk)
  • In-house catastrophic loss modeling (windstorm, hail, earthquake and flood)
  • Commercial liability insurance (including general liability, auto, environmental, OCIP/CCIP, excess and umbrella)
  • Professional liability (including directors and officers, GPL, errors and omissions, employment practices liability, crime, fiduciary and kidnap & ransom)
  • Additional coverages (including terrorism, renters insurance, security deposit insurance, and cyber)


We drive positive results to your bottom line through strategies that maximize cost savings by:

  • Understanding your optimal risk retention/transfer needs based on detailed loss forecasts
  • Providing alternative insurance structures with and/or without the use of captive insurance
  • Reducing your exposure to loss with in-depth loss control and claims management strategies
  • Managing your insurance program with best-in-class service in lender/contract negotiation, invoicing, allocations, structure design, and risk management

Learn about the specialist UK Real Estate and Construction team here.

Discover more Insights & Publications  |  Read more in the Lockton Newsroom  |  See our Client Stories
Discover more Insights & Publications
Read more in the Lockton Newsroom
See our Client Stories