Insurance and risk advice for property and real estate.
Property risk is about more than protecting the building.
Property owners and real estate businesses can face a wide range of exposures across buildings, tenants, income, liability and day-to-day operations.
Damage to the property is only one part of the risk. Tenant-related loss, legal liability, interruption to rental income and unexpected events can all create significant financial pressure.
Omnisure takes the time to understand how the property is owned, used and managed, helping create insurance programmes that protect the asset while also considering the broader financial and operational risks around it.
Property risk extends well beyond physical damage.
01.
Property damage
Fire, storm, theft, water damage and other insured events can result in significant repair or replacement costs.
02.
Loss of rental income
Damage to a property can interrupt rental income and create additional financial pressure while repairs are completed.
03.
Tenant-related damage
Vandalism, theft and other damage caused by tenants can create unexpected costs for landlords and property owners.
04.
Legal liability
Property owners can be exposed to claims if tenants, visitors or other third parties suffer injury or loss connected with the property.
05.
Strata and shared property
Properties operating within strata or shared ownership structures can involve additional insurance responsibilities and areas of potential overlap.
06.
Property management and operations
Real estate and property businesses can also face professional, cyber, employment and operational risks beyond the physical asset itself.
Insurance solutions built around the property and the way it is used.
Landlords Insurance
Cover for rental properties, including insured damage to the building and contents provided for tenant use.
Loss of Rent
Protection against loss of rental income following certain insured events or covered tenant-related circumstances.
Tenant Damage and Vandalism
Cover for certain loss or damage caused by tenants, including theft or malicious damage where covered by the policy.
Legal Liability
Protection against claims where the property owner may be legally responsible for injury, damage or loss suffered by another person.
Commercial Property Insurance
Cover for commercial buildings, contents and other property assets used for investment or business purposes.
Strata Insurance
Insurance for strata-titled buildings and common property, subject to the specific ownership and management structure.
Business Interruption
Cover designed to help manage financial loss when an insured event disrupts normal property or business operations.
Professional Indemnity
Protection for real estate agencies, property managers and other professionals providing advice or services within the property sector.
A practical approach to managing property risk.
01.
Understand the asset
We consider the property type, value, location, occupancy and intended use before recommending cover.
02.
Look at the wider exposure
Rental income, liability, tenant risks and operational responsibilities are considered alongside physical property damage.
03.
Review as things change
Renovations, changes in tenancy, portfolio growth and changing property values can all affect risk. We help keep cover aligned as circumstances evolve.
Property insurance built around the full picture.
Tailored advice
We take the time to understand the individual property or portfolio rather than relying on a standard approach.
Broader risk perspective
Our advice considers the asset, income, liability and wider operational risks surrounding property ownership and management.
Responsive support
When circumstances change or a claim occurs, our team is available to help clients understand their options and keep the process moving.
Ongoing review
We help clients review their insurance as property values, portfolios, tenants and operational needs change over time.
Talk to our property and real estate specialists.
Guidance and commentary from the team
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Let’s talk about protecting your property interests.
