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Property Risk Management

Marsh Property Risk advisors improve business resilience with property risk assessments, property risk management and advice, reducing your total cost of risk.

Property risks span a wide spectrum, from building damage caused by a fire, to natural catastrophes, to supply chain disruptions. Any of these and a multitude of other property-triggered business interruption (BI) incidents may present a worst-case loss scenario, so it's important to have a robust plan in place to minimize exposures and recover quickly.

Marsh’s property risk advisors can help you understand and manage these risks, allowing you to focus on what’s most important: your business. We take a holistic view of your full spectrum of property and BI risks and help you build a strong foundation for driving down your total cost of risk and improving resilience. With the support of Marsh, you're not merely purchasing property insurance that we arrange — you’re gaining a collaborative risk management approach that can help provide peace of mind and a competitive advantage.


The dynamic risk landscape and recent events have highlighted several significant property and related risks that companies face. Weather and climate change risks, such as the greater frequency and severity of floods, cyclones and bushfires, remain high on the list. The COVID-19 pandemic disrupted many businesses’ ability to manufacture and distribute goods and services including ongoing disruption to global supply chains. In addition, increasing cybersecurity breaches have led to takeovers of control systems.

Property risk management can offer security and peace of mind to companies whose success may be impacted by any loss of property or a related business interruption. Having knowledgeable professionals to help you choose the right strategy to avoid, control, transfer, and manage your property risk allows you to stay focused on your business. In addition, these advisors keep up-to-date on broader industry trends and best practices, which can help your coverage and risk management stay agile.

Key to establishing the right strategy is a review of your current program’s effectiveness; identification of an optimal program structure, terms, and rates; and consideration of potential program innovations and best practices to implement.

Property damage can potentially result from a human-caused event, inclement weather or natural disasters, a cybersecurity breach, or vandalism. Coverage of specific inciting events and strategies to manage them will depend on your risk profile, your locations, and the policies available from insurers.

In addition to seeking to optimise insurance coverage for property and business interruption risks, property risk management can involve property audits and inspections, fire protection engineering, natural catastrophe loss modelling, loss investigations and analysis, property replacement cost valuations, and more.

Our technical analysis, program innovation, and market insights can help you identify your potential property risks and better manage them. Working with our advisory, loss control, and claims specialists – supplemented by a global team of subject matter experts and industry-leading catastrophe-modelling capabilities – we can benchmark your property risk management program, spot potential coverage and mitigation gaps, and help you implement strategies to protect your property and recover from losses more quickly.

Our people

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Rob  Gardiner

Property Risk Consulting, Practice Leader

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983) (“Marsh”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226827) which is a related entity of Marsh. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from JLT Risk Solutions on request. Full information can be found in the JLT Risk Solutions Financial Services Guide.”