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Customers: Large land or property developers who own property including House builders owned blocks.

Typical risk profile:

  • Larger developers will have in house risk-management resource
  • High level of capital investment
  • Site security and protection is key
  • Prefer to deal with trusted risk adviser across portfolio
  • Need focussed risk guidance on construction and compliance issues
  • Shorter-term asset turnover affects risk consideration


  • Legal Contingencies: Zurich covers for a wide range of frequently encountered legal problems under the Property Owner's policy. This protects against associated legal expenses, damage and loss in value if a third-party claim is made.
  • Loss of Market Value: Following a loss the insured customer may require flexibility in the way they reinstate building or the site, rather than simply replicating the existing structure. Should the customer choose not to reinstate, we can help by identifying a number of alternative options for settlement including reduction in market value
  • Contract Works: If a loss occurs during refurbishment of a property the materials for the refurbishment may not have been covered under the original policy. We provide clear, automatic and free cover for minor refurbishment and extension work
  • Workmen: Zurich allow minor works to be conducted without affecting the cover or increasing the premium during the process



    Developers Sales Aid

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    Policy Documentation

    Real Estate

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    pdf icon  Policy Summary

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