As businesses in London grow and diversify—whether in property investment, management, services or international trade—the risks they face become more complex and substantial. Corporate insurance serves as a vital foundation, protecting your company’s assets, people, operations and reputation from unexpected losses. At Fraser Bond, we help corporate clients and property-linked businesses structure insurance programmes that reflect London’s market scale, regulatory demands, and value of exposure.
Corporate insurance refers to a tailored portfolio of insurance covers designed for companies. It’s broader than “small business insurance” and typically involves higher limits, more complex risks and customised terms.
Specifically, it protects against:
Property damage and business interruption
Legal liabilities from third parties (injury, damage)
Professional or advisory errors (negligence, omissions)
Employee-related risks (injury, employment disputes)
Cyber and data breaches
Directors’ & Officers’ liability
For larger or property-centric operations in London, corporate insurance is not optional—it’s strategic risk management.
London companies often oversee high-value property holdings, complex service supply chains, international transactions, or large-scale operations. This brings distinct exposures:
Property portfolios with multi-million-pound value, multiple tenants, communal services and specialist contractors.
Regulatory and compliance burdens — UK health & safety, data protection, building regulations.
Cross-jurisdictional operations or investment across the UK and abroad.
Multiple stakeholders — shareholders, directors, lenders, partners — all needing reassurance.
Having a properly structured corporate insurance programme allows a business to maintain continuity, protect its asset value and support stakeholder confidence.
Here are the main components typically found in a corporate insurance programme:
Property & Contents Insurance – Protects buildings, plant, stock, equipment from fire, flood, theft.
Business Interruption Insurance – Covers loss of income when operations are halted due to a covered event.
Public Liability / Corporate Liability – Covers third-party claims for injury or property damage arising from business operations.
Employers’ Liability Insurance – UK mandatory for businesses with employees; covers employee injury or illness from work.
Professional Indemnity / Errors & Omissions – For advisory services, consultancy, or design work.
Cyber & Data Breach Insurance – For digital operations, client/tenant data, breach exposure.
Directors’ & Officers’ (D&O) Liability Insurance – Protects executives and board against claims of mismanagement.
Product Liability / Supply Chain Risk – Important for businesses manufacturing or distributing goods.
Multinational / Global Programmes – For businesses operating across borders, the insurance structure may need local compliance and global protection.
At Fraser Bond we recommend the following steps for companies operating in London to structure an effective corporate insurance programme:
Conduct a thorough risk-assessment – Map your exposures: property, people, operations, digital, compliance.
Define the limits needed – High-value assets or multi-tenant buildings may require £10 m+ liability cover, or large property sums insured.
Review contract and lease obligations – Many lenders, landlords or service-contracts specify minimum insurance levels.
Select an insurer or broker with corporate capacity – Large exposures need insurers used to corporations rather than standard SME policies.
Ensure global/local compliance – If operations span multiple jurisdictions, ensure local policy compliance and global coordination.
Bundle where possible, but ensure coverage depth – A combined corporate insurance package offers simplicity, but check each cover is sufficient for your risk.
Review annually and as you grow or change – Mergers, acquisitions, portfolio expansion, regulatory changes all impact risk and insurance needs.
Document and communicate your programme – Boards, shareholders, and lenders will expect clarity on insurance arrangements and risk transfer.
Fraser Bond brings deep expertise in the London market, property-investment and corporate operations. Our value includes:
Advising on how insurance integrates with your asset-strategy, property holdings, contract structures and investment planning.
Working with specialist brokers who understand corporate-level risk and insurance design.
Ensuring that policies meet the demands of London-based operations, large portfolios and regulatory exposure.
Providing clarity and oversight — giving boards, property owners and investors confidence that insurance is aligned, adequate and up to date.
Ensure your business and property operations in London are covered by a strong corporate insurance programme.
Visit FraserBond.com or contact our London advisory team for expert guidance on structuring, procuring and reviewing corporate insurance aligned with your business and asset-portfolio strategy.
