For Real Estate businesses and Private Equity firms, risk rarely sits neatly in one box. Responsibilities overlap and decisions are made across boards, portfolios, assets and investments often simultaneously.
However, much of the insurance market still relies on generic, off-the-shelf policies that assume clean lines between professional advice, management decisions and governance. In practice, those lines are blurred, meaning traditional policies can leave costly gaps in protection. This challenge isn’t limited to insurer forms; many broker-developed wordings also remain static, rarely updated or tested against real-world scenarios, which can reinforce the same outdated assumptions.
That disconnect is exactly why Consilium’s Professional and Executive Risk Solutions team has launched two new proprietary wordings, purpose-built for the realities of Real Estate and Private Equity firms.
Bespoke policies, drafted in-house by Consilium’s Coverage Counsel, a qualified insurance lawyer, and shaped by real claims experience, our new wordings are designed to respond in practice, not just on paper.
Built Around How Real Estate Firms Actually Operate
In real estate, responsibilities frequently overlap with firms involved in property management, investment, development and advising. Standard Professional Liability and Directors and Officers policies were not designed for that level of integration, with coverage gaps between policies leaving businesses vulnerable.
Consilium’s blended Real Estate PI and D&O policy removes that risk, combining financial and commercial risk into a single, seamless wording, ensuring clearer protection and an all-around simpler administrative process.
Dominic Pilgrim, Partner within the Professional and Executive Risk Solutions team at Consilium, recognises the complexities within the real estate sector and highlights the importance of covering the gaps left by responsibility overlap.
He said, “By blending these protections into one carefully drafted wording, we are delivering a solution that mirrors how real estate deals are structured, while also simplifying claims handling and reducing overall costs. We have seen first‑hand how alternative products across the market are often designed and replicated with little genuine variation, forms that appear ‘unique’ but are, in reality, simply uniform templates presented as sector specialism. By crafting our own wordings, Consilium can define its own standard, offer a genuinely differentiated alternative to conventional market templates, and gives clients access to cover that is genuinely aligned with the realities of their business, built from the ground up to meet their specific operational and governance needs”.
A Smarter Multi-Line Solution for Modern Private Equity
Private Equity firms face a different, but equally complicated, reality including: regulatory scrutiny, portfolio oversight, outside directorships, investor expectations and transactional risk. Consilium’s Private Equity Multi-Line policy has been designed specifically for this environment.
Bringing together Professional Liability, Directors and Officers (including Outside Board Liability) and Crime into one comprehensive solution, the policy offers broad, flexible protection without restricting strategy, geography or deal type. It is built for firms of all sizes and backed by A rated carriers, delivering what is widely regarded as the broadest protection available in the London market.
Why These Wordings Are Different
The key differences in these wordings lie in how they have been built. Both wordings have been:
● Drafted by Consilium’s in-house Coverage Counsel
● Informed by real claims scenarios and sector-specific exposures
● Engineered for clarity, certainty and responsiveness
● Designed to work in real-world scenarios, not theoretical ones
This is specialist insurance built by people who understand both the legal and operational realities of Real Estate and Private Equity, and who reject the idea that complex businesses should settle for generic cover.
Our new proprietary wordings protect Real Estate and Private Equity clients while giving leadership teams confidence that their risk is properly understood, clearly covered and robustly defended. Contact our Professional and Executive Risk Solutions team today to discover how our offerings could strengthen your protection.
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