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We compare quotes from specialist unoccupied property insurers
SPECIALIST COVER FOR UNOCCUPIED COMMERCIAL BUILDINGS
Why Unoccupied Property Requires Special Insurance
When a commercial building becomes vacant - whether awaiting tenants, undergoing refurbishment,
pending sale, or temporarily unused - the risk of damage increases. Standard property insurance
often becomes invalid when a building is unoccupied for more than 30 days.
Insure24 provides specialist unoccupied commercial property insurance designed to
protect empty shops, offices, warehouses, and mixed-use properties.
What Does Unoccupied Commercial Property Insurance Cover?
Flexible protection while your building is empty or between occupants.
- Fire, lightning & explosion
- Storm, flood & weather damage
- Vandalism & malicious damage
- Theft & attempted theft (subject to security)
- Damage by squatters or forced entry
- Property Owners’ Liability
- Escape of water (subject to winterisation requirements)
- Glass & shopfront cover
- Temporary works & refurbishment options
- Flexible inspection requirements (7, 14 or 30 days)
Common Risks for Vacant Commercial Buildings
- Increased vandalism & break-ins
- Water damage going unnoticed
- Squatter occupation
- Electrical faults in unused buildings
- Fire risk in unsecured premises
- Higher likelihood of malicious damage
- Deterioration due to lack of maintenance
- Liability claims from trespassers or visitors
Why Choose Insure24 for Unoccupied Property Cover?
- Specialist insurers for vacant buildings
- Short-term or long-term cover available
- Fast quotes for high-risk or distressed properties
- Flexible inspection / security requirements
- Cover available during renovation periods
- Options for partially occupied buildings
- Tailored premiums for risk level & building use
- Expert support throughout the vacancy period
Suitable for All Types of Vacant Commercial Property
Empty Retail & High-Street Units
- Shops waiting for new tenants
- Closed or relocated stores
- Temporary business shutdowns
Vacant Offices & Business Premises
- Offices awaiting refurbishment
- Businesses relocating
- Portfolio properties between tenants
Warehouses & Industrial Units
- Empty warehouses
- Industrial units during downtime
- Buildings undergoing construction
Mixed-Use & Multi-Unit Buildings
- Partially vacant buildings
- Portfolio properties with occasional voids
- Redevelopment or conversion projects
FREQUENTLY ASKED QUESTIONS
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Why does unoccupied property need special insurance?
Standard commercial property insurance often becomes invalid when a building is empty for more than 30 days, due to increased risks such as vandalism and unnoticed damage.
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How long can a building be unoccupied?
Policies can cover short-term vacancy or long-term empty periods depending on your situation and the insurer’s requirements.
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Are inspections required?
Yes - inspections may be required every 7, 14 or 30 days depending on the insurer and risk level.
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Can I insure a property during refurbishment?
Yes - cover is available for properties undergoing renovation or redevelopment, subject to details of the works.
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Does cover include damage by squatters?
Many specialist unoccupied policies include cover for damage caused by forced entry or malicious occupants.