Real Estate Insurance & Commercial Property Cover

Helping you manage your real estate risks

No two property portfolios face the same risks. Whether you own a commercial property, manage residential assets or oversee a complex multi-site portfolio, your insurance should reflect how those assets are owned, occupied and managed.

Gallagher provides specialist real estate insurance and for property owners, investors, managing agents, asset and fund managers, landlords and developers. We help clients identify, manage and transfer risk through insurance and risk management solutions designed to reflect their property portfolio and its ever-changing exposures.

Specialist support for real estate portfolios

We support over 32,000 UK real estate clients across 75,000+ policies. Our teams work across commercial, residential and living portfolios, from individual assets to complex multi-site and international programmes. Data correct as at September 2026.

What does real estate insurance cover?

Real estate insurance can help protect commercial property, residential buildings and mixed-use portfolios against a wide range of physical, financial and liability risks.

We offer a flexible suite of insurance products that can be adjusted to meet your specific requirements and operational risks. These include, but aren't limited to:

Commercial property damage

Cover for insured damage to buildings and property assets

Loss of rent

Protection against loss of rental income following certain insured events

Property owners' liability

Cover for certain liability risks associated with owning or managing property

Terrorism insurance

Protection against specified terrorism-related property risks.

Construction and development risks

Construction insurance solutions for property development and construction exposures

Warranty and indemnity cover

Specialist insurance supporting certain real estate transactions

Directors' & Officers'

Protection for directors and senior decision makers against claims arising from alleged wrongful acts.

Crime

Cover for financial losses resulting from fraud, theft or employee dishonesty

Cyber

Protection against cyber incidents, data breaches, business interruption and associated response costs

Professional Indemnity

Cover for claims arising from alleged errors, omissions or professional negligence

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Cover that evolves with your property portfolio

Real estate risk changes over time, so it's important to have confidence in an insurance policy that keeps pace. We support clients at every stage of the asset lifecycle, from pre-acquisition and development through to operation, refinancing and disposal — structuring our insurance programmes to evolve alongside the asset it's built to protect.

This perspective helps us anticipate emerging risks, manage claims effectively and support informed decision-making as portfolios grow or change.

Can real estate insurance cover loss of rental income?

Yes. Many real estate insurance policies can include cover for loss of rent (sometimes referred to as loss of rental income or rent receivable) following an insured event, such as fire, flood, storm damage or other property damage that prevents a building from being occupied or let.

This cover can help protect property owners, investors and landlords against the financial impact of lost rental income while repairs or reinstatement works are carried out. The level of protection available will depend on the policy, the nature of the property and the indemnity period selected.

For many property investors, safeguarding rental income is just as important as protecting the physical asset itself. Our real estate specialists work with clients to structure insurance programmes that reflect their portfolios, helping ensure both property assets and revenue streams are protected when unexpected events occur.

Who needs real estate insurance?

Real estate insurance is designed for organisations and individuals responsible for owning, managing or investing in property. This includes property owners, landlords, investors, pension schemes such as SIPPs and SSASs, pension trustees, property funds, managing agents, asset and fund managers, developers and businesses with commercial or residential property portfolios.

Whether protecting a single investment property or a large multi-asset portfolio, real estate insurance can help safeguard buildings, associated liabilities, rental income and other property-related exposures.

We support a broad range of real estate clients, from individual property investors through to institutional investors and large-scale property portfolios, helping them assess their exposures, arrange insurance and risk management solutions appropriate to the risks involved.

Why choose Gallagher for your real estate insurance needs?

Dedicated real estate specialists with deep sector knowledge, providing a consultative, relationship-led approach
Delegated schemes and full-service capability from quote to claim
Extensive market access, including wholesale capability and global expertise combined with local UK presence
Experience spanning commercial, living, residential and specialty assets