3 Dimensional Insurance

27/05/2026

A client recently purchased a large, mixed-use commercial property comprising:

- Ground-floor retail units
- Upper-floor residential flats
- A vacant warehouse section undergoing refurbishment

On paper, it was one building. In reality, it presented multiple risk factors:

- Mixed occupancy and varying fire loads
- Partial unoccupancy
- Ongoing works
- Non-standard construction in the warehouse section
- Different tenancy agreements across the site

This combination meant the risk fell outside standard insurer appetite.

Instead of forcing the risk into an off-the-shelf policy, a bespoke approach was taken:

- Full risk presentation with clear occupancy and works schedules
- Specialist markets engaged with experience in mixed-use and unoccupied property
- Tailored cover including property damage, loss of rent, public liability and material damage during works
- Risk management recommendations provided to improve insurer confidence and pricing

The result?
Comprehensive protection aligned to the actual risk, not assumptions.

Complex risks aren’t about being “high risk” , they’re about being, different.

And different requires expertise, strong insurer relationships, and a willingness to look beyond standard wordings.

If you’re acquiring, redeveloping or refinancing commercial property, it’s worth asking:

Does my insurance truly reflect the complexity of my asset?

20/05/2026

20/05/2026

Do you know what’s affecting rebuild cost accuracy in 2026? 🏡

It’s not just inflation. Labour costs, regulations, material prices, building complexity and outdated valuations can all impact how accurate a rebuild figure really is.

Our latest article breaks down the five key factors property owners should be aware of.

Find out more here:
https://ow.ly/t7ak50Z1A2P

14/05/2026

3 Dimensional Insurance - Brokers With Imagination

06/05/2026

One Portfolio. Multiple Countries. One Strategy.

A recent client came to us with a common but complex challenge.

They owned property across the UK and several European countries, and wanted to:
• Consolidate everything with one insurer
• Maximise buying power
• Simplify their insurance programme
• Build a strong, long-term relationship with a single capacity provider

The challenge?
Different jurisdictions, different regulations and fragmented placement strategies can make this difficult to achieve in practice.

Our solution at 3Di:
By leveraging both our UK entity (3 Dimensional Insurance Ltd) and our European brokerage (3 Dimensional Insurance Brokers (Europe) Ltd), we were able to structure a coordinated approach across all territories.

We are now implementing a global master programme with ‘A-rated’ insurers designed to:
• Provide consistent, high-quality cover
• Align protection across all locations
• Streamline administration and oversight
• Incorporate the full portfolio within the year

This is where specialist structuring and international reach really come into their own.

Because for complex property portfolios, it’s not just about placing insurance, it’s about designing a programme that works seamlessly across borders.

29/04/2026

The hidden cost of overinsurance. Are you paying too much?

Underinsurance gets most of the attention… but overinsurance is quietly draining budgets.

Recent data shows 93% of UK properties are insured for the wrong amount — and a growing proportion are overinsured.

Across 43,000+ property assessments:
➡ Nearly 1 in 4 properties are overinsured
➡ Up from 14% to 23% in just two years
➡ On average, sums insured sit at 129% of true rebuild cost

That’s a significant amount of premium being paid for cover that isn’t needed.

What impact does this have?
It directly impacts profitability, skews financial planning, and creates inefficiencies at renewal.

In today’s cost-sensitive environment, accuracy matters more than ever.

The question is simple:
When was the last time your sums insured were properly reviewed?

22/04/2026

The Insurance industry has remained relatively resilient to digital transformation. Its age-old business model, regulation and product complexity has meant little has changed over the decades. But now, the Internet of things is starting to make an impact.

However, some in the industry believe so much more could still be done to take advantage of new technology and develop the sector.

Haydn Hertz, 3 Dimensional Insurance (3Di), says money is being ploughed into the industry cashing in on the, as yet, mostly untapped potential. But, he says, the use of new methods to present risk has been stagnant for years. As a result, customers are losing out and it is time for things to change.

“A key benefit of our technological approach is to tap into underwriters’ knowledge, something which I believe is usually overlooked. Brokers rarely ask the question, what if? When they’re presenting high risk projects to the market. Our visual approach creates the forum for discussion - it allows for better collaborations between all the parties, which essentially benefits the industry as a whole.”

https://youtu.be/P2kCimWBhJY?si=dHgKHgGBkEa7pBFz

If you would like to discuss our drone technology facility in more detail, please email either keith or Haydn directly

- [email protected] / [email protected]
or call the 3Di team on 020 3327 0292

3 likes. "Watch the interview with 3Di's Haydn Hertz"

17/04/2026

Did you know that 3Di also offer the following policies?

▪️ Rights of Light
Certainty is the friend of any developer, using insurance to remove the risk of incurring additional costs is seldom considered. A development could impinge upon a neighbour’s Rights of Light, but just because a survey has revealed that a neighbour may have a case against the developer, doesn’t mean that insurance isn’t available. Taking out a policy will fix the cost of this risk within the development budget rather than leaving an open-ended risk of mounting costs in defending a legal action.

▪️ Restrictive Covenants
Many properties that are purchased have Restricted Covenants already in place that may prevent the purchaser from using the land for the purposes intended. An insurance policy is usually an easier and more cost efficient way of dealing with the problem.

▪️ Surety Bonds
All types of Performance Bonds including Construction Guarantee Bonds, Retention Bonds and Highway Act/Road Bonds where the need for a deposit can be replaced with a guarantee. This is a small sample of the type of bonds that we are able to supply.

▪️ Latent Defects
Cover is available for a building defect that causes physical damage. A fault that could not of been detected through inspection before completion. There is no need to prove negligence, only that there is a defect.

▪️ Defective Title
Properties can have a defect in title, this can open up the purchaser to future claims from a third party. It also makes it difficult for the property to be sold on without the comfort of a Defective Title policy.

If you need to discuss any of the policies that we offer at 3Di, please drop us a message or call the team on 0203 327 0292

https://www.3diltd.co.uk

15/04/2026

Are customers losing out thanks to the insurance sector’s slow uptake in the use of technology?

3Di uses technology to help clients wanting to insure complicated risks, primarily in properties, but it can also be adapted for use in other markets. It visually allows underwriters to see the site they are being asked to insure, meaning they can work with clients who previously had difficulties getting cover, or who may already have been rejected by insurers. They can also help those who have had terms proposed to them that were too onerous.

The process starts by having drones fly over client sites to record footage. The recordings are then used to create animations allowing underwriters to move around the location as if they were there themselves. The images are combined with data providing additional information such as detailed measurements, security, tenancy occupations and materials.

The idea is to deliver all the facts underwriters need in visual, written and kinaesthetic form, allowing for better clarity. All this works to help brokers, underwriters and clients.

Haydn Hertz states that the 3Di’s animations help to improve the relationship between broker, insurer, underwriter and client – creating debate and discussion that otherwise wouldn’t exist.

If you would like to discuss our drone technology facility in more detail, please either email Keith or Haydn directly
- [email protected] / [email protected]
or call the 3Di team on 020 3327 0292

13/04/2026

Flooding doesn’t just damage property, it impacts lives, businesses, and entire communities.

Over 6 million UK properties are already at risk. By 2050, that number could reach 8 million, around 1 in 4 homes in England.

Insurers are continuing to revise their flood areas and impose restrictions on cover. It is therefore more important than ever to ensure that your client’s have the correct protection in place by using a specialist broker to augment the flood cover offered under their Property Owners Policy.

✔ Cover is available both where flood is excluded or a flood excess applies

✔ Limits from £500 to £100,000

✔ Built for protection from the ground up

✔ Includes surface water, river & coastal flooding

✔ Single properties or multi-location portfolios

✔ UK-wide coverage

✔ Supported by A+ rated capacity

If you have any requirements that you would like to discuss in more detail with myself or the 3Di team, please drop me and email to [email protected] or call 020 3327 0292