Student Housing

Student Housing

Student accommodation produces revenue from either direct let or nomination arrangements and has key occupancy dates as a result of the academic year, resulting in a non-standard real estate placement. We make sure the insurer appreciates the nuances of this.

We represent key student accommodation owners and operators within excess of 78,000 beds. Our broad policy wording covers not only the basic insurance needs of a student housing landlord, but also includes valuable extensions that non-specialist brokers and ‘off the shelf’ policies may overlook. Twelve major insurers underwrite the policy.



Our services

Our services include:

  • Material damage to student housing stock and associated property
  • Loss of revenue, alternative accommodation costs and revenue protection with the key academic trigger dates understood, employers', public and property owners' liability
  • Excess liability arrangements
  • Engineering insurance and inspections
  • Environmental impairment liability
  • Latent defects
  • Legal indemnities including defective titles, restrictive covenants, chancel repair, rights of light and judicial review
  • Professional indemnity, directors' and officers' liability, financial risks including reps and warranties and tax indemnity
  • Contents on site and for which the insured is responsible (including laundry services and vending machines)
  • Loss of rental income protection for retail elements (e.g. shop or cafe)
  • Damage and theft cover for chip and pin and payment collection devices on site or in management offices
  • Money cover for cash held on premises
  • Loss of third party data held within operating systems
  • Computer damage and theft protection including reinstatement of data cover
  • Bespoke ‘project’ contract works insurance for new developments and life cycle maintenance works.


Our team

The Lockton Global Real Estate broking team has extensive experience which enables for a better understanding of a clients needs, exposures and insight in to the most advantageous market for their requirements both in the UK and abroad.


Key contacts

Ben Warman



Why Lockton?

We're more than an insurance broker
- we're independent specialist risk consultants

  • Find the right fit
    We will always understand your financial goals and position and use our know-how to create a strategy that fits your objectives.
  • Predict impacts on your business
    We will always combine detailed modelling and financial analytics to show you the effect of an insurance programme on your business and the risks you face.
  • Fight for you
    We negotiate directly with insurers on your behalf to explain the technical aspects of your programme.
  • Stay up to date
    We will always keep up to date on developments in your industry, to make sure we understand your business.
  • Keep costs low
    Help risk financing come up with lowest cost or most suitable programme.
  • Global Expertise
    Lockton Companies Inc. is the world's largest privately held insurance brokerage firm.