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Latent Defects Insurance (LDI) provides protection against the costs of remedying damage which occurs as a consequence of the manifestation of a fault in the design or construction of a building and which only becomes apparent following completion of the project.

Why you need Latent Defects Insurance

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Martyn’s Law: the time to prepare is now

The Terrorism (Protection of Premises) Act 2025, commonly known as Martyn’s Law, is now in effect. Following a long period of campaigning and advocacy, it achieved Royal Assent in April 2025, and it is now in its 24-month implementation phase. Businesses must be compliant by May 2027, or will likely face severe penalties for non-compliance.

The upcoming insurance renewal season between March and July represents a natural inflection point. It is when many businesses assess security measures, update their risk documentation, and evidence controls – all of which will be central to demonstrating compliance under Martyn’s Law. Therefore, addressing any gaps now is essential to ensure that businesses have enough time to strengthen preparedness before the law becomes enforceable.

The Terrorism (Protection of Premises) Act 2025, commonly known as Martyn’s Law, is now in effect. Following a long period of campaigning and advocacy, it achieved Royal Assent in April 2025, and it is now in its 24-month implementation phase. Businesses must be compliant by May 2027, or will likely face severe penalties for non-compliance.

The upcoming insurance renewal season between March and July represents a natural inflection point. It is when many businesses assess security measures, update their risk documentation, and evidence controls – all of which will be central to demonstrating compliance under Martyn’s Law. Therefore, addressing any gaps now is essential to ensure that businesses have enough time to strengthen preparedness before the law becomes enforceable.

Gender pay gap report 2025

Lockton is wholly committed to supporting the progression of women through creating a diverse, inclusive and equitable workplace. We are also committed to employing the best and most talented people and ensuring that they are paid fairly irrespective of their gender. Like all UK companies, we are required to publish data about the pay gap between male and female employees, based on data at 5th April. You can access our 2025 gender pay gap report here.

Lockton is wholly committed to supporting the progression of women through creating a diverse, inclusive and equitable workplace. We are also committed to employing the best and most talented people and ensuring that they are paid fairly irrespective of their gender. Like all UK companies, we are required to publish data about the pay gap between male and female employees, based on data at 5th April. You can access our 2025 gender pay gap report here.

Refurbish or rebuild? Considerations for office property owners

Recent developments within the commercial real estate (CRE) market are forcing asset holders to rethink their real estate strategy. To remain agile and attractive to tenants, office property owners are considering whether to refurbish existing stock, or construct new blocks from scratch. However, this is rarely a straightforward decision. Economic pressures, evolution in tenant demands, developments within ESG requirements, and planning considerations are among the most pressing factors that complicate how CRE asset holders seek to retain tenants and protect long-term asset value.

Recent developments within the commercial real estate (CRE) market are forcing asset holders to rethink their real estate strategy. To remain agile and attractive to tenants, office property owners are considering whether to refurbish existing stock, or construct new blocks from scratch. However, this is rarely a straightforward decision. Economic pressures, evolution in tenant demands, developments within ESG requirements, and planning considerations are among the most pressing factors that complicate how CRE asset holders seek to retain tenants and protect long-term asset value.

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