Property at Lloyd’s (International Property Insurance)
Global protection for property owners
Owning property around the world presents many unique risks to key assets. That’s why Travelers offers high-value cover policies with in-depth technical expertise. In addition to offering policies for high-value commercial risks, we also offer insurance for small commercial, residential and inland marine packages through Lloyd's brokers on a delegated authority and/or managing general agent (MGA) basis. We offer 'full value' policies that include cover for named perils, broader named perils (falling objects, weight of ice and snow, and water damage) and 'special form' (all risks).
Our Global Property Unit offers flexible and tailored cover to property owners on a primary and excess of loss basis. Through Lloyd’s global licences, we’re able to provide comprehensive cover for a wide spectrum of risks around the world. With an emphasis on fostering long-term relationships, we can help property owners rest easy in the knowledge their assets will be protected from uncertainty.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Portfolio property
- U.S. and North American property targets
- Large volume of smaller commercial and personal property risks
- Residential buildings
- Medium-sized commercial risks
- U.S. property binding authority business
We do not cover
Sorry, we’re currently unable to insure the following.
- Open-market property
Travelers advantage
In a dynamic world, property is exposed to varied and challenging risks. Travelers offers expertise owners can count on to address these diverse risks thanks to a detailed and bespoke underwriting process.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Multinational reach. Tailored coverage and support in more than 150 countries.
- QuantumSubroSM. Pursue claims against responsible third parties, maximise subrogation recoveries and control expenses.
Property at Lloyd’s covers & highlights
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Property damage
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- Commercial business
- Residential delegated authority business
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Worldwide appetite
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Catastrophe and non-catastrophe perils
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All risks and standalone peril policies
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Standalone flood and earthquake policies
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Boiler machinery breakdown
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Equipment breakdown*
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Cover limits
- US$2.5 million (any one risk)
- US$100 million (machinery and equipment breakdown for a single location)
*For portfolio business only
Subject to the terms and conditions of the policy, we will pay claims for fire, explosion, flood, windstorm, earthquake, Difference in Conditions (DIC)
Add-ons & extensions
These items may be available to add on to your policy
- Boiler machinery breakdown
Related products
Property
Protecting key physical assets is essential for creating a successful and sustainable business and is perhaps the most important protection that a company buys.
UK property owners
In addition to protecting property from fire and theft, storms, and floods, this specialist policy can also cover key exposures for property owners, including subsequent loss of rent and public and employers’ liability.
SME property owners
Our products for small to medium enterprise (SME) property owners deliver the kind of comprehensive cover and outstanding service you’ve come to expect from us, thoughtfully tailored for small businesses.
Special risks
We help companies that conduct business in high-risk countries protect their people against the threat of kidnapping and ransom with specialised cover.
Personal accident
Travelers provides coverage worldwide for personal accident and travel, and is available to companies, individuals, sports teams or affinity groups as a stand-alone or as part of an insurance package.
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
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