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Real Estate

Property owners, operators, managers, and developers need to stay competitive in the dynamic world of real estate. Marsh's risk management solutions are an ideal support system for companies with bold vision.

Accelerated by recent events and seismic shifts, the way people live, work, play, and interact continues to transform.

To position themselves for success, real estate owners, operators, managers, and developers will need to adapt to and focus on the long-term implications of these shifts, including evolving climate change and technology risks.

Whether your business is facing new environmental liabilities, grappling with more demanding lender requirements, or evaluating alternatives in risk financing, you can benefit from advice and guidance from risk management advisors with an in-depth understanding of your industry.

Real estate companies should find ways to become more resilient to future risks. Marsh's specialists put their expertise to work in helping you find appropriate approaches to your specific challenges wherever you face them.

The Global Risks Report

The top risks for 2024 and beyond. Data and insights from more than 1,400 global experts and leaders.

Please consult with a Marsh advisor on product availability in your region.

Featured insights

Low Angle View Of Modern Buildings In City Against Clear Sky



Risk in Context Podcast: Adapting real estate to fit the cities of the future

Evolving nature of work, to shifting requirements of residents and businesses, many cities around the world are experiencing significant changes.

Offshore wind turbines farm on the ocean. Sustainable energy production, clean power,



Risks and Challenges to the Advancement of Offshore Wind Supply

In this article, we consider the risks and challenges to the advancement of Offshore Wind supply.

Closed entrance at a building due to Covid 19



How Covid-19 has changed the real estate risk and insurance landscape

How we utilise and interact with commercial space is likely to continue to evolve even though the worst of the pandemic appears to be behind us.


Certain risks faced by those operating in the real estate sector are, to varying degrees, ever-present all over the world: These include variances in value tied to unpredictable macroeconomic conditions, natural disasters, human-caused catastrophes, and sudden or gradual property damage.

Others, like sociopolitical unrest, terrorism, and economic instability, are more common in certain markets than others, including various countries in the Asia, Pacific, Middle East, and South America regions.

Some areas of market risk pertain to precise verticals of real estate, rather than regions. For example, the risks of entering the commercial office space leasing market given burgeoning work-from-home trends differ from the risks of third-party logistics space, where demand is currently quite large. Investors should be discerning in their consideration of risk.

For the properties you own or intend to purchase, you'll want protection that goes beyond the basic standards (e.g., provisions for fires, hailstorms, tornadoes, wind damage, vandalism, and theft of non-cash business assets) and accounts for extraordinary circumstances:

  • Extreme weather events (e.g., flooding, earthquakes, hurricanes, and landslides/mudflow)
  • Cash theft
  • Loss of rental income
  • Terrorism
  • Financial crime
  • Political risk

Along similar lines, a general liability policy, broad as it can be, may not be enough to fully protect your property interests. Excess liability provisions you should consider include:

  • Directors and officers
  • Errors and omissions
  • Environmental damage
  • Injury (to you and your employees)

The answer to this question depends largely on how long you believe you'll be holding onto the properties that you and your development firm are designing and building.

For example, if your plan is to sell commercial buildings as soon as possible, certain property and casualty provisions will likely become your buyers' responsibility before they can be yours. By contrast, you, unlike them, would need comprehensive builders risk coverage to account for potential mishaps during construction.

On the other end of the spectrum, if developing real estate for your own business use, it's in your best interest to protect it with insurance as wide-ranging as the risks your properties will face.


Risk is unavoidable in the real estate market. While most developers or investors in residential or commercial property are generally aware of risk, it's easy to lose sight of specific risks and subsequently be caught off-guard — and without a critical contingency plan or safety net — when the unexpected actually happens.

Working with the experts at Marsh will help prepare you more effectively for both expected and extraordinary hazards. Our real estate team draws on extensive experience and a truly global perspective, and we're ready to help you find a streamlined and tailored risk management solution.