Unoccupied
You wouldn’t use an umbrella to protect against theft or flood, so why use a generic policy for unoccupied buildings? Whether a property is residential or commercial, our tailored products are expertly shaped to reflect the specific characteristics of well-maintained empty premises.
Speak directly to our decision makers. Let them guide and support you from first enquiry to renewal. Every quote is crafted, contract certain and ready to present.
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Unoccupied Properties
Residential and commercial properties that are empty but well maintained, often awaiting sale, probate, or development.
Unoccupied properties present a unique set of risks – from increased exposure to theft, vandalism and water damage, to the challenges of maintaining safety and compliance when a building is not in regular use. Our Unoccupied Property Insurance is designed to support insurance brokers with a reliable, specialist solution for these more complex risks.
We understand the pressures brokers face, including tight client timelines and transaction-driven deadlines. Our experienced underwriting team delivers swift, efficient turnaround times in line with broker requirements, without compromising on technical underwriting quality.
We offer specialist cover for both residential and commercial unoccupied properties, backed by clear underwriting appetite and flexible policy structures.
What we cover
We can offer insurance for a wide range of unoccupied residential and commercial properties, including:
Residential properties
Commercial properties
Our experienced team understands the additional considerations that come with unoccupied buildings and properties undergoing works, and we assess each risk on its own merits.
Flexible cover options for broker-led placements
We offer flexible insurance solutions to suit your needs, including:
Cover basis:
Policy duration
Property Owners Liability
This flexibility allows you to align cover with your plans for the property, whether it is temporarily vacant, awaiting sale or let, or undergoing refurbishment.
Properties we can’t cover
At present, we are unable to offer cover for:
Why brokers choose us
