Risk

Property

Commercial Property Insurance, Focused on Your Exposure

Protecting Assets. Powering Resilience.

Shield your business from unexpected property losses with insurance solutions built for your industry, risk profile, and geographic exposures. At People Risk, we combine deep expertise, exclusive market access, and tailored strategies to protect what matters most—even in the most challenging environments.

Built for Complexity, Designed for You

Today’s property market is volatile—especially for CAT-prone locations and non-standard assets. Our specialists work closely with carriers and underwriters to craft custom programs that reflect your industry’s evolving risks.

From high-value construction to real estate portfolios and energy infrastructure, we deliver forward-looking solutions, competitive capacity, and reliable protection—even in hard markets.

Property Focus Areas

Builders Risk

Coverage for ground-up construction, renovations, and catastrophe-exposed projects.

Hospitality

Specialized property coverage for hard-to-place risks including hotels, nightclubs, and casinos.

Energy

Tailored programs across upstream, midstream, downstream, utilities, and renewable sectors.

Manufacturing

Customized protection for facilities, equipment, and inventory—on-site or in transit.

Parametric

Trigger-based coverage for events like flood or wind, even without physical damage.

Public Entity

Flexible property coverage for municipalities, schools, and government facilities.

Real Estate

Protection for commercial and residential portfolios against weather and liability exposures.

Transportation

Coverage for cargo, fleets, and infrastructure across all modes of transport.

Specialty Coverages

Comprehensive Protection for Every Exposure

All-Risk Property
Broad coverage against physical loss or damage from all causes not specifically excluded—offering maximum protection for your assets.
Boiler & Machinery
Coverage for sudden and accidental equipment breakdowns, including mechanical failure, electrical arcing, and pressure-related incidents.
Auto Physical Damage
Insurance for owned or leased vehicles against collision, theft, vandalism, and other non-liability physical damages.
Flood, Earthquake, Wind, DIC
Specialized coverage for natural catastrophe exposures—including Difference in Conditions (DIC) to fill gaps in standard property policies.
Motor Truck Cargo
Protection for goods in transit, covering loss or damage while being transported by truck—critical for logistics, distribution, and supply chains.
Terrorism & CAT-specific Solutions
Tailored coverage for terrorism, political violence, and catastrophe-prone risks—ensuring financial protection in high-impact scenarios.

“In a hardening property market, having a partner who understands your unique exposures—and can access specialty markets—isn’t optional. It’s essential.”

People Risk

Why People Risk

At People Risk, we go beyond off-the-shelf policies—delivering customized property insurance
strategies backed by technical expertise, proactive guidance, and data-driven insights.

Tailored Coverage

We design insurance programs around your assets, risk profile, and industry needs.

Claims Advocacy

From pre-loss planning to resolution, we guide you through complex claims with expert support.

CAT Modeling

Our team uses advanced catastrophe modeling tools to help price risks and reduce exposure.

Ready to rethink your property insurance?

We’re here to deliver clarity, confidence, and custom solutions.

Explore the industries we serve

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Agriculture

Automotive