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Property Risk Management

Property risk comes in many different forms and proactively minimizing exposures can protect companies when the worst happens. Our specialists can assist you with identifying your risks, analyzing and prioritizing them, and optimizing your property insurance and risk management program.

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 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 — 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 and wildfires, remain high on the list. Increasing instances of civil and political unrest worldwide have resulted in extensive property damage in affected cities and countries. The COVID-19 pandemic disrupted many businesses’ ability to manufacture and distribute goods and services, as did cybersecurity breaches that led to takeovers of control systems.

Property risk management offers 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 helps 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 optimize insurance coverage for property and business interruption risks, property risk management can involve property audits and inspections, fire protection engineering, 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-modeling 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.