Property Owners
Specialist Expertise for Complex Property Risks
At Commercial Risks (UK) Ltd, we understand that not all property fits neatly into standard insurance models. Whether you're a landlord with a non-standard build, a commercial investor with mixed-use developments, or managing a complex portfolio with distressed or vacant properties, we provide tailored solutions when others won't.
We specialise in the placement of challenging property risks at Lloyd’s and across specialist company markets. Our underwriting expertise, broker relationships, and ability to structure bespoke cover means we can say ‘yes’ when others say ‘no’.
What We Cover
We offer capacity and risk transfer solutions for the following challenging or non-standard risk types:
Local Authority Involvement
- Properties let under housing schemes
- Temporary accommodation or asylum seeker housing
- Supported living or care-in-the-community settings
Non-Standard Construction
- Timber frame, asbestos, cladding exposures
- Flat roofs or composite panels
- Listed buildings or structures with historical features
Portfolios
- Mixed residential and commercial use
- Multi-location exposures
- Blocks of flats and Houses in Multiple Occupation (HMOs)
- Portfolios with prior claims or sub-optimal maintenance
Distressed or Declined Risks
- Lapsed policies or mid-term cancellations
- Risks refused by mainstream carriers
- Clients with adverse claims history
Unoccupied Properties
- Residential or commercial
- Awaiting sale, refurbishment, or development
- Short-term or long-term vacant
High-Risk Tenants
- DSS/universal credit recipients
- Students, asylum seekers, or those with limited documentation
- Nightly lets or short-term occupancy agreements
Non-Compliant or Under-Improvement Properties
- EWS1/Cladding exposures
- Buildings not yet compliant with Approved Document B or current fire safety regulations
- Works in progress
Our Approach
Our team works closely with brokers and property professionals to:
- Assess and clarify the true risk profile
- Advise on mitigating factors and structuring cover accordingly
- Access specialist underwriters at Lloyd’s and company markets
- Present layered, co-insured, or excess-of-loss solutions where appropriate
- Place portfolios efficiently, with reporting formats built for growth
We can cater for single properties, multiple risks on a declaration basis, or full binding authorities, depending on scale and appetite.
Why Use Commercial Risks?
- Experienced Underwriters: Our team has decades of experience with complex property and real estate risks.
- Access to Lloyd’s & Niche Markets: We place cover where others can’t, and we know how to package it for approval.
- Solutions, Not Excuses: We believe difficult isn’t impossible, it just needs the right approach.
Let’s Talk
If you have a difficult risk that’s been rejected, stalled or needs specialist placement, we’d love to help.
Call us: 020 7702 2103
Email us: info@commercialrisks.co.uk