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Insurance for Temporarily Closed & Refurbishing Offices
Office buildings that are temporarily closed or undergoing refurbishment face a significantly higher level of risk. Empty or partially occupied premises are more vulnerable to theft, vandalism, fire and undetected water damage.
Standard commercial property insurance often restricts or excludes cover once a property becomes vacant or subject to building works. Temporary Closure & Refurbishment Risk Insurance helps fill this gap.
Insure24 provides tailored solutions for landlords, office owners and serviced office operators managing refurbishment, fit-outs or short-term closures.
What Is Temporary Closure & Refurbishment Insurance?
This insurance is designed to protect office buildings and property assets when normal occupation or trading has ceased temporarily.
When Is This Cover Needed?
- Office temporarily vacant
- Refurbishment or fit-out works underway
- Change of tenant or operator
- Planned closure or reconfiguration
Why Standard Policies May Not Apply
- Vacancy exclusions apply after set periods
- Restrictions during building works
- Increased fire and theft risk
- Undetected damage due to lack of occupation
Key Risks During Temporary Closure or Refurbishment
- Fire caused by electrical faults or contractors
- Flood or escape of water going unnoticed
- Theft of materials, fixtures or copper
- Vandalism and malicious damage
- Liability incidents involving contractors or trespassers
Who Needs Temporary Closure Insurance?
- Commercial landlords
- Office building owners
- Serviced office operators
- Property developers and investors
Insurance Considerations During Refurbishment
Insurers will often impose additional conditions during periods of vacancy or works, such as security requirements and regular inspections.
- Minimum security and alarm requirements
- Regular property inspections
- Hot works controls
- Disclosure of refurbishment scope
FREQUENTLY ASKED QUESTIONS
+-Is insurance affected if an office is vacant?
Yes. Most standard policies restrict cover once a property is vacant for a set period, often 30 days.
+-Do refurbishment works need to be disclosed?
Yes. Insurers must be informed of refurbishment or building works to ensure cover remains valid.
+-Is theft more likely during closure?
Yes. Vacant properties are at higher risk of theft and vandalism, which is why specialist cover is important.
+-Does this cover replace contractors’ insurance?
No. Contractors should carry their own insurance. This cover protects the property owner’s interest.
+-Can cover start immediately?
Yes. Cover can usually start immediately once your quote is accepted and payment is confirmed.