Real Estate

A practical map from operating exposure to policy, wording, claim, and risk-control decisions.

Key risks

Fire and catastrophe
Tenant liability
Loss of rent
Machinery breakdown
Construction and vacancy

Recommended policies

Property All Risks
Loss of Rent / BI
Liability
Machinery Breakdown
Terrorism / Political Violence

Critical extensions

Non-invalidation
Waiver of subrogation
Alternative accommodation
Debris removal
Denial of access

Common gaps

Tenant improvements omitted
Vacancy condition breached
Reinstatement value stale
Lease insurance clauses conflict

Typical claims

Building fire
Water escape
Lift breakdown
Tenant injury

Risk-management advice

Reconcile leases and policy
Commission valuations
Track occupancy changes
Maintain fire and plant records

This is a general industry map, not a recommendation for a particular business. Requirements may depend on contracts, activities, locations, values, law, risk appetite, and complete policy wording.