Our diverse client base includes everything from institutional investors, funds and trustees right through to private investors and family firms. When striking the tricky balance between risk mitigation and stakeholder returns, we are the experienced partner you can trust, no matter how complex the question or situation. We offer targeted solutions and scenario analyses tailored to the individual risk profile of our clients and investors, so you can feel confident that you’re making the right decisions for your organisation.

We also help facilitate communication with external property managers, among others, and ensure any claims processes are handled efficiently with minimal financial implications. Having worked closely with the real-estate sector for many years, we understand the importance of transparency, which is why we’ve created the TRIUM Control Center, so you can access all the information about your policies, claims and payments whenever you wish.

Whether you’re based in Germany or abroad, our global network is at your side, giving you direct access to the insurance markets in Germany, Europe and the rest of the world.

Needless to say, we also offer top-class insurance solutions for complex asset classes and high-value investments.

As risk consultants and insurance advisers for property and asset managers, we understand the important role our clients play as service providers for their own customers. This situation creates a unique set of challenges, since we are an invisible third party supporting you, our clients, behind the scenes and acting as an intermediary between you and your customers.

Our aim is to add value to your property and asset management services by ensuring your cover is perfectly tailored to both your needs and those of your customers. We see ourselves as your safety net and an invaluable partner in your day-to-day operations.

Transparency, efficiency and reliability are the cornerstones of our client service. Every one of our insurance solutions is individually designed, meaning we can offer a single overarching policy or series of individual policies depending on the contractual set-up for the properties under management.

Another tangible benefit for our clients is our Control Center, which allows you to manage all your policies and claims quickly and easily. Plus, there is the option to establish a direct connection with your own ERP systems or other existing interfaces.

When designing our services, our aim is always to create direct added value for both you and your customers, because ultimately our job is to help you deliver the best possible service for your customers.

Property developers have very specific insurance and risk management requirements, with many complex factors and reinsurance considerations in play. We support our clients every step of the way, from the initial consultation through to the final implementation of their insurance policy. Whether you need cover for a major building project or for the planning and implementation of smaller, regular construction works, we have the expertise you need.

Our advisory services and insurance policies are as individual as your building project. Looking for a combined policy to cover everyone involved in a construction project? A framework policy, perhaps? Or maybe you’re after an individual policy for a specific construction project? We have solutions for every requirement, including comprehensive cover options for complex risk scenarios arising from the local neighbourhood or from loss of rent or planning uncertainties. Not only that: in the event of a claim, including for major losses, we have the risk engineering expertise to ensure even our client’s most complex claims are resolved quickly.

Hotel operators, hotel chains and owners of hotel properties will all find themselves well catered for thanks to our dedicated hospitality team. At TRIUM, we enjoy access to the global network of our parent company, Aon, meaning we are able to support our clients in Germany, Europe and around the world – in a total of over 120 different countries.

Wherever you are in the world, the hospitality sector has a very specific risk profile and unique set of insurance requirements, including arrangements for allocating premiums or claims payments, which differ from client to client. We take all these factors and asset-specific complexities into account and work with you to develop an individual insurance solution for your organisation. What’s more , separate to this cover for asset-specific risks, we also offer comprehensive cover options for general operating risks.

There is a host of expert service providers involved at all stages of the real-estate value chain, including management consultants, M&A advisers, lawyers, IT support services, planners and project managers. TRIUM provides cover for all these real-estate experts for their own risks, and also offers insurance solutions for their customers. We are experts in insurance for complex real-estate transactions and construction works, so you can relax in the knowledge that your cover is in safe hands.

Municipal real-estate owners and property developers require specialist insurance advice. When talking to our clients in this field, it is particularly important to understand if they have any specific risk reporting requirements or if they are involved in any municipal self-insurance pools. It is also vital that we comply with any regulations in force surrounding the award of contracts. Municipal construction projects are increasingly being run as joint enterprises between partner organisations, and these ventures require specialist insurance cover that extends to all parties involved in the construction work. Only a very small number of insurers offer cover for these municipal projects, meaning TRIUM is well placed to help you find the right option for you.

As well as acting as an insurance broker for local and municipal authorities, we also offer advisory services on both an ongoing basis as well as for individual projects.

Office investments continue to offer a wide range of opportunities for long-term positive returns. Renovation projects and new usage concepts are a popular option and smart way to breathe new life into a property and increase its income potential. Once a property has been renovated, the main focus shifts to managing that property. Here, a well-considered and targeted insurance policy will offer comprehensive protection against unforeseen events and also help you keep costs down, something which has a direct impact on your rate of return.

To make sure you find the right balance between opportunity and risk, we’re there by your side right from the very beginning. Our insurance due diligence services are designed to support you in your investment decision-making, and we also offer cover for any breach of sales contract terms. In addition, we provide worst-case scenario analyses for individual properties, allowing you to select the insurance cover that’s right for you as well as enjoy stable insurance costs in the longer term. Our efficient digital processes make the whole experience straightforward, so you can continue to concentrate on your business.

We all need a roof over our heads. Today’s housing market continues to be dominated by a robust labour market, persistent excess demand and a trend towards sustainable property development. Tenants are finding that their additional service charges represent a not insignificant portion of their outgoings, with buildings insurance in particular proving an area of tension between landlords and tenants. Having the right insurance policies for your properties is, therefore, an important part of any property management operation.

By conducting a targeted analysis of your individual portfolio, we can develop high-quality insurance solutions that meet your exact requirements. Plus, thanks to our digital claims processes, your claims (especially high frequency claims for water or storm damage, for example) can be handled quickly and efficiently, which helps keep tenants happy and saves your in-house team valuable time and energy. Our aim is always to get your claims resolved in the shortest possible time, allowing your tenants to get back to enjoying their home.

Even in the case of a major fire, our in-house risk engineers and major claims specialists are there by your side, ready to support you through the process.

Whether we’re talking about city-centre hotels, holiday resorts or holiday homes, we’re here to protect your investment right from the very start, whilst also creating the best possible opportunities for growth. Our insurance due diligence services let us support you in your investment decision-making, and before you make any purchase we can conduct a detailed insurance review for the property or portfolio in question. We also offer specialist warranty & indemnity insurance in case of any breach of sales contract terms.

We understand the points of tension between hotel owners, operators and brands, and have designed our specialist hotel insurance solutions to smooth over these relationships and avoid any potential sticking points in the management of your properties. Again, a key component of this service is our efficient claims handling process which allows both individual hotel managers and central offices to submit claims using a straightforward digital system.

Due to their size, shopping centres, supermarkets and retail parks are subject to a wide range of risks. We support you during the purchase process with our insurance due diligence services and also produce worst-case scenario analyses (including natural hazard assessments) so that, right from the outset, you know that you’re covered for all eventualities.

Our in-house team of risk engineers will guide you through the entire process and make sure you have the best possible insurance for you. We also support change of use and renovation projects from the very beginning and develop effective risk transfer solutions.

By conducting an expert analysis of your policy excesses, we can develop a sustainable insurance solution that keeps costs stable and allows you to plan ahead with confidence. 

Depending on their location, commercial properties are subject to a wide range of risks. These properties present a real challenge for risk managers since individual buildings often have multiple uses and properties are repeatedly bought and sold as part of asset or share deals. A customised approach to risk engineering combined with an efficient digital system for managing all the different processes is, therefore, essential. By maintaining an accurate record of any changes of use within a property and also tracking any claims, we can develop the best possible insurance portfolio for you.

The healthcare real-estate market remains an interesting asset class with growing potential. As the population ages and demand for assisted living increases, properties in the social care and healthcare sectors are becoming a real growth market.

As well as helping you set up the right insurance for the properties themselves, our team can also make sure you’re covered for the specific risks involved in managing properties in the healthcare sector.

Insurance cover for your properties and assets is the primary focus of our business.

We understand that every property and portfolio has its own unique requirements and needs to be evaluated based on its specific use, value, condition, cashflow situation, and micro and macro environment. In developing the right cover, it is also vital to take into account the different stakeholders involved, in particular any requirements of the lender and any insurance obligations set out in national or international legislation. Setting the right premium level and allowing organisations the option to self-insure are also the foundations of a sustainable insurance solution.

No matter what the client or asset class, TRIUM can develop a premium solution that offers maximum flexibility and gives organisations the confidence to plan for the future. We develop our insurance terms ourselves and ensure that these are perfectly aligned with the needs of the real-estate sector. 

We are also highly experienced in handling insurance claims. As well as providing our clients with the perfect insurance solution for them, we also offer a top-class claims resolution process. All claims are processed through our TRIUM Control Center, which can be integrated with our clients‘ own systems if required.

If we are to provide effective cover for our client’s operating risks, it is vital that we understand the world they operate in. As specialists in insurance for the national and international real-estate sector, we work exclusively with clients in this area. This means we are best placed to assess their potential liabilities (first party risks), support them in their complex real-estate transactions and ensure compliance with their statutory insurance obligations. 

It goes without saying that we provide customised insurance solutions for both conventional operating risks and new and emerging risks related to cyber activity and crime. We’re also proud to offer management bodies the insurance cover they need, both as an organisation and as individuals. Whatever the operating risk, we always approach our cover with the specific requirements of the real-estate sector in mind and develop customised solutions for our clients.

For us, claims management is nothing less than making good on our insurance commitments to our clients. To ensure we always deliver a seamless service, we employ our own team of claims experts, all of whom are specialists in the real-estate sector. We pride ourselves on delivering personal support by talking directly with our clients about their claims and using the latest technology to ensure a hassle-free experience as well as keep them regularly updated on the progress of their claims.

For our clients, every claim is another action on their to-do list. Our job, therefore, is to ensure their claims are settled as efficiently as possible (especially in the case of common high-frequency claims). Our TRIUM Control Center was developed in-house and is a vital tool in our claims handling armoury, with options for integration with our client’s own ERP systems if required. We work together with our clients to optimise our procedures in line with their operations, so that we can streamline and accelerate the processes involved and ensure the best possible outcomes for our clients.

We also support our clients with technical expertise, and our team of engineers are always on hand to provide assistance when needed.

The real-estate sector is in constant flux, with properties, portfolios and businesses being bought and sold all the time and all over the world. We provide insurance coverage for both buyers and sellers for their real-estate transactions, as well as offering a range of risk management solutions.

As part of the Aon group, we have access to a team of transaction specialists with the expertise to develop warranty & indemnity, tax, title and IPO insurance policies for our clients. Prior to the completion of a transaction, our clients can also take advantage of our insurance due diligence services to help them gain a clearer picture of a target’s insurance situation.

Not only that: once the deal is complete, we remain on hand to resolve any of the gaps identified in the cover and optimise any costs involved.

Insurance policies for construction projects span a number of different industries.

Our services focus primarily on the real-estate sector, since this is where we can offer our clients the most comprehensive advice. In order to develop the right solution for our clients, we first need to understand what their construction projects involve. Most projects fall under two main types of cover – combined project insurance and construction all risks insurance:

Combined project insurance

Combined project insurance is recommended for major construction projects and complicated building projects with complex liabilities and local neighbourhood challenges. This type of cover combines all the conventional insurance policies for everyone involved in the project into a single policy with a single insurer, with the premium allocated between the parties involved by the project developer. The solution ensures that nothing falls through the gaps between different policies and that there is sufficient underwriting capacity to meet the project’s needs.

Construction all risks insurance

For standard above-ground construction projects and straightforward modernisation and renovation works involving only moderate construction work, a construction all risks insurance policy is often the best solution. Depending on the client’s sector and the frequency of the construction work, this type of policy can also be established based on the investment sum.

In the event of a claim, our team of engineers is always on hand to provide assistance when needed.

Our job is to help our clients make better decisions by offering them expert advice to help them understand their risk profile and insurance options.

For us, it’s not enough to simply set up a few insurance products for our clients. Instead, we want to talk directly with them so we can assess their risks and analyse the specific scenarios affecting their organisation. Only by doing this can we find the right insurance solutions for them. All our analyses are based on our own in-house reinsurance databases and claims records, and we also take advantage of AON’s wealth of long-standing resources around the world to help us produce highly accurate results.

Natural hazards and terrorist incidents – ongoing threats and new risk factors

In our worst-case scenario planning, we have always placed major focus on analyses of natural hazards and on the likelihood and extent of any potential damage arising from these events on a particular portfolio. These analyses enable our clients to set their own indemnity limits and adjust their premiums to reflect the actual level of risk. They can also provide clients with an advantage when marketing their portfolios.

Today, we also conduct these same kinds of analyses for terrorist incidents. This allows us to ensure that our clients have the right policies and the right indemnity limits to cover them should the worst happen. Here again, our analyses are designed to help our clients make the best possible decisions for their organisation.

The Real Estate Control Center is our client portal. It is available to all our clients at no additional charge. Here, you can find the latest information about your insurance portfolio, claims and billing. Features include:

• Detailed organigram of the client’s organisation
• Comprehensive portfolio summary (at individual property level)
• Policy overview
• Billing overview
• Claims overview
• Claims analysis (various options available)
• Details of local insurance policies for sites around the world, both at home and abroad
• Claims reporting
• Claims processing
• Document management
• Option to download analyses and overviews

If required, the portal’s user interfaces and features can be adapted or expanded to suit your particular requirements. In addition, there is the option to connect the Real Estate Control Center to your own ERP system to help make the whole process more streamlined.