Commercial property

Unoccupied Commercial Insurance

Vacant commercial premises need careful disclosure because standard commercial property policies often restrict cover when a building is empty, partly occupied or awaiting a new tenant.

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Who It Is For

  • Vacant shops, offices and warehouses
  • Commercial landlords between tenants
  • Mixed-use premises with empty units

Cover To Review

  • Buildings and property owners liability
  • Fire, storm, escape of water and malicious damage
  • Glass, fixtures, landlord contents and rent exposure
  • Legal expenses and inspection requirements

Underwriting Detail

  • Occupancy status and expected vacancy length
  • Security, alarms and inspection logs
  • Services isolation and maintenance
  • Refurbishment, contractors and tenant works

Related Insurance Pages

Unoccupied Commercial Insurance FAQs

What is unoccupied commercial insurance?It is cover for commercial premises that are empty, partly empty or not trading, subject to the insurer's vacancy conditions.

Can it cover shops and offices?Yes, vacant shops, offices, warehouses and mixed-use buildings can be reviewed, depending on condition and risk controls.

What evidence helps underwriters?Inspection logs, security details, alarm information, service controls, photos and works information can all help.