We use cookies to provide you with a responsive service to make your experience of our website(s) better. Please confirm that you agree to our use of cookies in accordance with our cookies policy. By continuing to use our website we will assume that you are happy to receive non-privacy intrusive cookies. Please be aware that if you disable cookies some functionality on the site will not work.

Alternatively, read our cookies policy to find out more about our cookie use and how to disable cookies.

Accept and continue


Customers: Zurich’s focus is on owners or managers of estates that are professionally and actively managed. The majority of the property should be long leasehold with high-quality tenants and low levels of vacancy. The portfolio will lend itself to a long-term risk-management strategy, mitigating the effects of attritional loss and alleviating the catastrophic perils of flood and subsidence.

Typical risk profile:

  • Very proactive in respect of property protection – in particular in relation to escape of water
  • Long-term interest in their assets
  • Need to uphold their professional reputation and good name

For captives:

  • Focus upon risk management and loss frequency
  • Large investment to protect


  • Alternative Accommodation & Loss of Rent (cash allowance): Many customers have tenants in ‘premier level’ buildings and accommodation. Following a loss it is often desirable and may be necessary, to minimise disruption for these valuable tenants, to find similar alternative accommodation nearby. We will increase the policy limit for this aspect of cover to reflect the increased costs necessary to meet the expected standards. To be equitable, we will also extend the policy to include a cash payment ‘in lieu’ for leaseholders who prefer not to take the alternative accommodation offered
  • Illegal Cultivation of Drugs: This policy covers the damage from the cultivation of illegal drugs as long as the landlord takes reasonable precautions to manage and monitor the premises
  • D&O cover is available for personal liabilities in relation to directors, officers and others whilst managing residential management companies



Residential Sales Aid

pdf icon  Guide

Policy Documentation

Real Estate

pdf icon  Policy

pdf icon  Policy Summary

Contact us

To start building bespoke cover today

» Zurich Real Estate

Contact us

To start building bespoke cover today

» Zurich Real Estate

Our claims service

To report Real Estate claims, please call our dedicated Real Estate claims handlers on
0800 302 9055

» Our claims service and expertise

Insider for brokers

Simple, sharable insurance expertise to give you the edge. » Find out more

Get the facts

» Find out more