Unoccupied Commercial Insurance

Our Unoccupied Commercial Insurance offers comprehensive coverage with flexible durations of 3, 6, or 12 months to meet your clients’ unique requirements.

This policy is designed to insure commercial properties valued up to £1 million as standard, and up to £2 million upon referral – accommodating a wide range of construction types.

We offer three tiers of coverage to cater to varying risk profiles:

  1. FLEA: Basic coverage
  2. FLEA: plus Flood, Storm, and Theft
  3. Full Perils: Comprehensive coverage for all risks*.

We can consider various types of unoccupancy, including but not limited to:

  • Properties in probate
  • Premises awaiting tenants
  • Buildings undergoing refurbishment or construction works
  • Properties for sale

Please click here for your tailored online quotation or call our underwriting team on 0333 032 5000 who will assist you with any unusual or difficult risks.

What’s Included?

As Standard

  • Full Perils*
  • Property Owners’ Liability

Adjustable Cover

  • Buildings
  • Contents
  • Reduce to FLEA cover

*Restrictions on EOW will apply