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PORTfolio services

Occupier Insurance Management

Thorough insurance cost reviews, landlord negotiations and challenging Building Declared Values.

your challenges

What are the challenges associated with occupier insurance?

Most modern leases provide for the occupier to reimburse the building owner for the cost associated with insuring the building and potential loss of rents. The resulting charges are often more extensive than they need to be and you could be paying far more than you should.

We can help you:

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Ensure lease terms are being implemented correctly
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Get value for money
OUR Solutions

What we do

Having forensically reviewed the relevant lease terms, our team considers the premiums demanded, benchmarks the rates, and scrutinise the “Building Declared Values”, sums insured and, where appropriate, apportionment calculations. When the BDV is overstated or the overall sum insured is incorrect, we engage with a landlord or its agent and pursue savings either on individual or multiple cases.

1
We conduct analysis of lease obligations
2
We dissect the landlord’s policy terms and premium rate considering market expectations
3
We scrutinise the commission earnings ensuring they are legitimate and commensurate with services undertaken
4
We review insurance reinstatement costs and sums insured
5
We check that any tenant-owned or tenant-insured elements aren’t dual insured
6
Where appropriate, we assess any apportionment calculations that have been undertaken

Who we help

Our service is specifically aimed at helping large single site leaseholders and multi-site leaseholders deal with the challenges of occupier insurance.

What to do next

If you are ready to get started we recommend you collate a list of your insurance liabilities and reach out to our team who will help you talk through solutions. Complete the form below to get in touch.

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Book a meeting with our experts to discuss your needs

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Bellrock Real Estate Consulting (a division of Bellrock Consulting UK Ltd) is RICS regulated