Rights of Light insurance

Whether you're placing a conventional Rights of Light risk or a more complex scheme, our underwriters take a practical, commercial approach to finding the right solution.

We understand that Rights of Light risk is not always just a legal issue. It can be central to development strategy, funding, neighbour engagement and exit. Our experts can support both conventional placements and more complex schemes where the insured's approach to neighbouring owners, timing or development strategy is relevant to the underwriting position.

Our underwriters combine technical rights of light assessment with a commercial understanding of how developments are funded and delivered.

In most Rights of Light policies, engagement with a potential claimant in relation to an insured risk may prejudice cover. Where appropriate, our Agreed Conduct policy structure can allow carefully managed engagement with neighbouring owners after inception, with the objective of achieving a negotiated settlement whilst maintaining insurance protection, subject to an agreed excess and the policy terms.

This can help align insurance with the insured's wider risk mitigation strategy and commercial objectives, particularly where proactive scheme delivery and neighbour engagement are part of the plan.