Real Estate

Sectors

Property developers face diverse exposures across acquisition, construction, and operational phases.

From political violence to property damage and liability claims, our insurance solutions protect assets, rental income, and investor confidence. We help align coverage with lender requirements and support your projects through every stage.

Insurance Products

Real Estate

All Insurances related to static assets; mobile assets and personnel such as but not limited to:

Contractors’ All Risks Insurance (CAR)

Safeguards construction sites, property portfolios, and personnel against damage or loss caused by war, terrorism, or civil unrest. It promotes project stability and protects investments throughout politically or economically sensitive regions.

Erection All Risks Insurance (EAR)

Provides protection during the installation and construction of structural, mechanical, and electrical components. It covers accidental loss or damage to works, materials, and third-party property, supporting timely project completion and financial security.

Political Violence Insurance (PV)

Secures developments, contractors, and assets from losses arising due to war, terrorism, sabotage, or civil disturbance. It enables business continuity and helps safeguard ongoing projects in regions exposed to political instability.

Machinery Breakdown Insurance (MBD)

Handles sudden mechanical or electrical failure of elevators, heating, ventilation, and air conditioning units (systems (HVAC) and other key building equipment. It minimizes downtime by funding repair or replacement costs, ensuring efficiency and safety throughout property operations.

Surety Bonds Insurance (Bid bonds, Performance bonds)

Guarantee the fulfilment of contractual obligations throughout the construction process. They provide assurance to project owners of financial compensation in the event of contractor default, reinforcing trust and accountability across project delivery.

Political Risk Insurance (PRI)

Mitigates losses arising from government actions, expropriation, currency restrictions, or contract cancellation. It helps protect foreign investments and ensures project viability in jurisdictions exposed to political or economic instability.

Contractors Plant and Machinery Insurance (CPM)

Covers construction equipment, tools, and heavy machinery against accidental damage, theft, or breakdown. It supports uninterrupted project progress and safeguards high-value assets essential for site operations.

Advance Loss of Profit Insurance (ALOP)

Compensates for revenue loss or delayed project completion resulting from insured physical damage during construction. It helps maintain financial stability and ensures investor confidence by mitigating the economic impact of unforeseen delays.

Delay in Startup Insurance (DSU)

Protects anticipated income against financial losses caused by project delays resulting from insured damage. It helps developers and investors maintain cash flow and meet financial commitments until operations commence.

Commercial General Liability Insurance (CGL)

Manages third-party claims for bodily injury, property damage, or personal injury occurring on construction sites or within completed developments. It reinforces legal compliance and safeguards project stakeholders from unforeseen liabilities.

Personal Accident Insurance (PA)

Offers financial compensation to workers, contractors, or site personnel in the event of accidental injury or death. It assists with medical expenses and loss-of-income benefits, promoting workforce welfare and employer responsibility on construction projects.

Title Insurance

Safeguards property owners and developers against financial loss arising from defects in ownership, liens, or legal disputes over land titles. It ensures secure property transactions and protects long-term investment value throughout the development cycle.

Tenant Default Insurance

Mitigates the financial impact of tenants failing to meet their lease obligations. It compensates landlords for lost rental income and associated legal expenses, supporting consistent cash flow and protecting the profitability of property investments.

Mortgage Impairment Insurance

Covers lenders and financial institutions against losses that occur when property damage reduces the value of mortgaged assets. It maintains loan security and supports the financial stability of real estate portfolios.

Homeowners Emergency Insurance

Assists property owners with immediate response services for unexpected incidents such as plumbing failures, electrical faults, or security breaches. It ensures rapid repair, minimizes disruption, and helps preserve the comfort and safety of residential properties.

Landlord Insurance

Manages risks associated with rental properties, covering damage to buildings, loss of rent, and liability for tenant-related incidents. It supports long-term asset protection and ensures steady income from leased developments.

Non-Payment of Rent Insurance

Compensates landlords when tenants fail to pay rent due to default or insolvency. It sustains cash flow, reduces financial uncertainty, and provides stability for property owners and investors.

Residual Rent Value Insurance

Offsets financial losses when a property cannot be leased at its expected rental value following damage or interruption. It helps preserve projected income streams and supports the long-term profitability of real estate investments.

Frequently Asked Questions

Real Estate

Do you provide cover during renovation and redevelopment?

Yes, we arrange policies for refurbishment, conversion, and redevelopment projects

Are terrorism and civil commotion covered?

They can be included via standalone Political Violence policies.

Can you help meet lender insurance requirements?

Yes. We work closely with banks to structure compliant insurance programs.

Do you provide landlord insurance?

Absolutely. We offer comprehensive landlord insurance covering buildings, liability, loss of rent, and more.

Do you offer homeowners emergency coverage?

Yes. We can include emergency protection for homeowners to cover urgent issues like plumbing, electrical, or heating breakdowns.

Is non-payment of rent insurable?

Yes. We can arrange tenant default and rent guarantee policies to protect your rental income.

Can you cover residual rent value risks?

We can tailor solutions that address residual rent exposure, particularly for structured leases or large-scale developments.