Proactive Oversight in UK Real Estate Structures: Why Risk Management Matters More Than Ever

As the UK commercial real estate market continues to evolve, so too must the way we manage and protect the assets within it. Whether for corporate investors, pension funds, or private owners, the stakes are high. And while much of the focus often lands on financial performance, it’s the less visible but equally critical asset protection measures that will ultimately safeguard long-term value. 

Underinsurance: A growing risk 

Recent data released in Q4 2024 by the Rebuild Cost Assessment team revealed that 76% of UK buildings are underinsured. That figure alone underscores a major risk. Rising construction and labour costs, supply chain challenges, and valuation inaccuracies all contribute to this underinsurance gap. 

For corporate service providers and trustees, this is a clear call to action. 

• Are you regularly reviewing your property valuations? 
• Are rebuild costs accurately reflected in your policies? 
• Is your administrative team attuned to changes in the risk landscape? 

The role of the Administrative Partner 

A trusted administrator does more than keep things compliant. At Equiom, we ensure that structures holding UK real estate are actively managed. This includes: 

• Monitoring rebuild cost trends and prompting timely valuations 
• Maintaining alignment between insurance and market conditions 
• Prioritising governance and risk oversight, not just revenue targets 
• Collaborating with property managers, legal advisers and insurers to ensure asset integrity 

Rebecca Clark, Manager – Client Services, Jersey, explains: 

“Real estate structures demand more than just administration; they require active stewardship. Our role is to anticipate risk, not just react to it, and to ensure our clients’ assets are protected through thorough oversight, accurate valuation schedules, and timely action.” 

Looking ahead 

With geopolitical uncertainty, climate-related risks, and inflation continuing to impact the real estate sector, asset resilience must be at the centre of every real estate holding strategy. 

If your business holds UK real estate assets and you want to ensure those assets are structured, protected, and valued appropriately, Equiom’s specialist team is here to support. 

We combine regulatory expertise, deep industry knowledge, and a commitment to proactive service, so you can focus on returns, knowing your assets are safeguarded. 

Contact our team to discuss how we can support your real estate strategy.

This article has been carefully prepared, but it has been written in general terms and should be seen as broad guidance only. This article cannot be relied upon to cover specific situations and you should not act, or refrain from acting, upon the information contained within this article without obtaining specific professional advice. Please contact Equiom Group to discuss these matters in the context of your particular circumstance. Equiom Group, its partners, employees, and agents do not accept or assume any liability or duty of care for any loss arising from any action taken or not taken by anyone in reliance on the information in this article or for any decision based on it.