How do changes in the Commercial Property market impact your Insurance Cover?

The commercial property market is undergoing rapid transformation. From climate change and sustainability demands to the adoption of smart technologies, these changes not only affect how buildings are developed and managed, but also how they are insured. At Genesis, we understand the evolving risks and are here to ensure commercial property owners and developers have the right cover in place.

Climate Change & Extreme Weather Events

More frequent storms, floods and heatwaves are pushing buildings to their limits. Insurance policies must reflect this new reality.

Are your roofs weather-resistant? Is your cover sufficient for water ingress or wind damage?

We work with insurers who understand these exposures and can tailor policies that offer comprehensive protection against extreme weather.

Sustainability & Energy Efficiency

With the growing push for greener buildings, more properties are integrating solar panels, green roofs, and EV charging points.

These assets can be valuable but also increase potential risks if not correctly insured. We help to ensure that energy-saving investments like solar installations are accurately covered, avoiding gaps or underinsurance.

Property Valuations

Fluctuations in construction costs and market valuations mean many buildings may be underinsured. A claim could leave you significantly out of pocket.

We help clients regularly review property valuations to ensure your sum insured accurately reflects the true rebuild cost – not just market value.

Smart Technology

Smart sensors, automated systems, and building management tools not only improve operational efficiency but also reduce risk – from detecting leaks early to monitoring temperature or occupancy.

We can support you and your team to ensure that the correct level of cover is in place to reflect your investment in new technologies.