Vacant Property Insurance
Empty buildings are deceptively risky. With no one on-site to notice a break-in, a burst pipe, or a small fire, minor problems escalate into total losses, and most standard property policies sharply limit or exclude coverage once a building is vacant beyond 30 or 60 days.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For vacant property insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Vacant Building Property
Property coverage specifically written for unoccupied buildings, without the standard vacancy penalty.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Vandalism & Theft
Addresses malicious damage and theft that empty buildings are especially prone to.
Builders Risk (during renovation)
Protects the structure and materials if the vacant property is being renovated.
Commercial Umbrella / Excess Liability
Adds an extra layer of liability limits above your underlying policies to protect against catastrophic claims and large lawsuits.
Who this is for
Owners of buildings between tenants, under renovation, awaiting sale, or held for future development.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.