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Commercial properties across the UK face a growing risk of underinsurance in 2026 as rebuild costs and compliance requirements continue to change. Rising rebuild costs, regulatory change and more complex rebuilding requirements can leave even well-managed portfolios underinsured if sums insured  are not kept up to date. “Commercial reinstatement is inherently more complicated than domestic rebuilding,” said Gautham Rajendar, Technical Lead for Commercial Properties at...

Many UK property owners assume that higher sums insured lead to better protection. New analysis shows this is not the case. While awareness of underinsurance has grown, insurance accuracy remains low across all major sums insured bands. As sums insured rise, behaviour changes – but accuracy does not. Underinsurance often gives way to overinsurance, while correct cover remains rare. This research builds on our annual property insurance infographic, which found that just 7% of

Construction costs across the UK remain high as we enter winter 2026. While inflation has slowed in the broader economy, rebuild costs continue to rise – driven by elevated labour rates, material inputs, and regulatory pressures. For property owners and insurance professionals, this means one thing: regular, data-driven review of sums insured is more critical than ever. Rebuild costs still rising “While the headline rate might look moderate, the detail tells a different story