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Specialist Cover for Vacant & Unoccupied Commercial Properties
When a commercial building becomes vacant - between tenants, awaiting refurbishment, or undergoing a sale - insurers consider it a higher risk. Insure24 provides tailored protection to ensure your building remains fully covered during these periods.
What Does Unoccupied Commercial Property Insurance Cover?
Flexible, specialist cover for buildings left empty for 30+ days.
- Fire, storm, flood & escape of water (subject to inspection conditions)
- Vandalism, malicious damage & attempted break-ins
- Theft damage (subject to security requirements)
- Property owners’ liability (£2m–£10m)
- Subsidence cover (optional)
- Loss of rent or alternative accommodation
- Legal expenses (optional)
Common Risks for Empty Commercial Buildings
Vacant properties face higher risks and stricter insurer conditions.
- Break-ins & attempted theft
- Squatters & unauthorised occupation
- Frozen pipes & escape of water events
- Arson & malicious damage
- Structural deterioration when left unmanaged
- Public liability claims from accidents on site
Why Choose Insure24 for Empty Property Cover?
- Cover available for buildings vacant from 30 days to several years
- Flexible security & inspection requirements
- Fast quotes from A-rated insurers
- Specialist brokers for commercial landlords
- Support for refurbishment, redevelopment & sale periods
FREQUENTLY ASKED QUESTIONS
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Why do insurers treat vacant properties as higher risk?
Unoccupied buildings are more exposed to issues such as vandalism, water damage, arson, and break-ins.
Insurers therefore require tailored cover and specific risk-management measures.
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Do I need weekly inspections?
Most insurers require weekly or fortnightly documented inspections, depending on risk level and building type.
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Can I get cover if my property is derelict or awaiting redevelopment?
Yes - specialist unoccupied property insurers can provide cover for buildings awaiting renovation, demolition or redevelopment.
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How long can a property stay insured while empty?
Policies can run for 30 days to 12 months and can be renewed for longer periods if needed.