Real Estate Insurance Programmes
Property is one of the most valuable, and exposed, assets a business can own. From office blocks and shopping centres to logistics hubs and mixed-use developments, Dubois provides tailored insurance solutions that protect your investments, income and reputation.
Our Real Estate specialists understand that every property carries unique exposures, from construction and liability risks to tenant default and environmental factors. Whether you own, manage, or develop property, we build cover that reflects your portfolio’s footprint, financial structure and legal obligations.
With access to leading global markets, on-the-ground expertise, and our international network, we can set up and manage insurance programmes across multiple countries to help protect your real estate assets wherever they are in the world.
We specialise in international property programmes, bringing local policies and requirements into one coherent structure, coordinated through our network so your cover stays consistent and manageable across territories.
Who we work with
Where decisions carry responsibility.
Owners, investors and asset managers.
We support businesses across the real estate lifecycle, including:
Property Owners & Investors
Protecting commercial and mixed-use assets against damage, loss and liability.
Developers & Construction Firms
Managing construction and contractual risks during new builds or refurbishments.
Property Managers & Asset Managers
Coordinating coverage for managed portfolios.
Landlords & Leasing Entities
Ensuring governance, compliance, and continuity across international holdings.
Institutional investors and asset managers
Managing multi-jurisdictional portfolios
Our clients range from private owners to global real estate groups managing multi-jurisdictional portfolios.
What we can cover
Complex portfolios. Clear cover structure.
International Portfolio Programmes
Central oversight with consistent coverage intent across territories, plus local policy placement where required for legal or contractual reasons. Portfolio-level reporting and coordinated claims support.
Commercial Property & Asset Protection
Comprehensive cover for physical assets, income, and liabilities.
Covers:
- Buildings and fixtures
- Loss of rent and business interruption
- Fire, flood, and accidental damage
- Theft, vandalism, and natural catastrophe
- Property owners’ and landlords’ liability
Construction & Development Risks
Protection for active construction and renovation projects, including large-scale or high-value builds.
Includes:
- Contractors’ or Erection All Risks (CAR/EAR)
- Principal’s and consultant’s liability
- Decennial (10-year) liability for applicable jurisdictions
- Plant, machinery, and equipment cover
- Local policy placement and claims support for international projects
Professional & Management Liability
Specialist protection for developers, owners, and managers facing professional or governance-related exposures.
Includes:
- Directors & Officers (D&O) liability
- Professional indemnity and design liability
- Environmental and regulatory compliance
Investor & Portfolio Programmes
Integrated insurance programmes for property investors and asset managers.
Benefits include:
- Single point of contact supported by specialist teams
- Custom policy wording for multi-asset portfolios
- Claims managed via pre-agreed, transparent procedures
- Access to global insurance markets and local expertise
Insurance solutions for buildings, portfolios and projects
Portfolios are rarely static. Renewals, acquisitions, refurbishments, vacancy or new financing requirements quickly raise new questions. What must be evidenced contractually? Where are the gaps? Which local requirements are genuinely relevant?
We help you clarify what matters, then translate it into an insurance programme with clear structure, clear documentation, and the flexibility to adjust as your portfolio changes.
Services
Portfolio and contract review
Capture requirements from leases, financing and internal guidelines in a structured way.
Programme structure and coverage concept
Clear coverage logic, well documented and easy to manage day to day.
Tendering and placement
Approach suitable insurers with a transparent structure and a clear basis for decisions.
International programmes
Centrally coordinated programmes for multi-country portfolios, with local support where required.
Local policies
Placement and servicing where contractually or legally required, or specifically requested.
Claims support and process coordination
Clear responsibilities, aligned processes, and support from selected loss adjusters and experts.
Documentation and evidence
Support with documentation for tenants, lawyers and financing partners.
Construction & Development. Risks under control.
Liabilities arising from building activities and contractual arrangements between developers, contractors, advisers and project managers can vary significantly by country. During construction, projects are exposed to natural perils, and additional technical risks can arise during commissioning.
We advise on appropriate covers aligned to the parties involved, contractual requirements and project phase, including construction all risks, developers’ liability, designers’ professional indemnity, and ten-year defects insurance where required.
Ready to protect your portfolio?
Contact our Real Estate team to learn how Dubois can help you protect your assets, income and reputation across the street or across the globe.
FAQs
Typical covers include property damage, loss of rent, liability, and legal expenses. Developers may also require construction and decennial liability insurance.
Yes. We manage international portfolios through a centralised model, ensuring compliance and consistency across multiple countries and currencies.
In most jurisdictions, yes. Owners are legally responsible for injury or damage occurring on their premises.
It provides a 10-year guarantee on structural integrity following completion of a building, mandatory in some countries such as France, Spain, and Italy.
Absolutely. We provide streamlined claims support with pre-agreed procedures and local loss adjuster partnerships for efficient resolution.
Yes. We can arrange specific terms for occupied, vacant, or redeveloping properties, ensuring continuous protection throughout the asset lifecycle.