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.

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