Property & Estates
Insurance Specialists
Specialist insurance solutions for commercial property owners, developers, estate operators and property management businesses.
Occupied Properties
Unoccupied Properties
Specialist & Complex Property Risks
Professional negligence claims
OVERVIEW
Insurance Built for the Property & Estates Industry
The property and estates sector encompasses a diverse range of businesses responsible for owning, managing, developing and maintaining commercial and residential property portfolios throughout the United Kingdom. From individual commercial landlords to institutional investors and multi-site property operators, every portfolio presents its own unique combination of operational, financial and regulatory exposures.
Property owners face an increasingly complex risk landscape, including fire, escape of water, malicious damage, theft, flood, subsidence, business interruption, landlord liabilities, contractors working on-site, vacant property deterioration and evolving building safety legislation. Effective protection requires not only appropriate insurance but also robust risk management, proactive maintenance and an understanding of changing regulatory requirements.
As a specialist underwriting agency, we work closely with our broker partners to assess each property on its individual merits, considering construction methods, occupancy, security, maintenance standards, tenant profile and long-term risk management practices. This technical underwriting approach enables us to deliver flexible, sustainable insurance solutions for a broad spectrum of property risks.
Our Approach
A Partner You Can Build On
At EXUA, we specialise in underwriting occupied properties, unoccupied properties and specialist property risks, providing brokers with access to insurance solutions designed for both straightforward and more technically challenging placements.
Whether protecting a fully occupied commercial portfolio, a vacant redevelopment project, a listed building, mixed-use premises or a property with non-standard occupancy, our underwriters take the time to understand the individual risk rather than applying a one-size-fits-all approach.
Protection against physical damage to buildings and property caused by insured events.
Specialist solutions for vacant and unoccupied properties requiring tailored underwriting.
Cover designed to protect property owners against eligible third-party liability claims.
Helping businesses manage the financial impact of an insured interruption to their operations.
Why Choose EXUA
Specialist Cover Built for Steel Industry Risks
From fabrication to on-site steel erection, we provide tailored insurance solutions backed by expert underwriting, helping brokers secure comprehensive protection for their clients.
A Partner You Can Build On
Property & Estates businesses are exposed to a broad range of risks including contractual liabilities, third-party injury, property damage, professional responsibilities, defective workmanship etc.
BUILT FOR PROPERTY & ESTATES
Protecting Properties at Every Stage
Property Ownership
Property Development
Complex Property Risks
By combining specialist underwriting expertise with an in-depth understanding of the property sector, EXUA helps brokers secure tailored protection for property owners, investors, developers and estate managers. Our approach is designed to protect valuable assets while responding to the unique risks of every property.
- Commercial & residential property risks
- Unoccupied and vacant premises
- Development & refurbishment projects
- Complex and non-standard properties