Unoccupied Commercial Insurance

Quotes currently processed within 2 hours

Our Unoccupied Commercial Insurance provides comprehensive coverage for vacant commercial premises, with flexible durations of 3, 6, or 12 months to meet your clients' unique needs.

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Features & Benefits Businesses Covered Unoccupancy Covered Cover Highlights Additional Information

Features & Benefits

  • A-rated capacity provided by Tokio Marine HCC, Hadron or Accelerant

  • We can quote for properties based anywhere in Great Britain

  • Turnaround times within 2 hours, even for more complex cases

  • Urgent cases always prioritised

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

    • FLEA
    • FLEA: plus flood, storm, and theft
    • Full Perils (restrictions on EOW will apply)

  • Flexible coverage durations of 3, 6, or 12 months

  • Low minimum premiums

  • Up to £5 million for a broad range of commercial properties, including offices, retail units, warehouses, hotels, community centres and industrial premises, plus many more

  • Up to £2.5 million for leisure and hospitality risks, such as cafés, restaurants, pubs, sports clubs and social clubs

  • Accommodates a wide range of construction types, claims histories, and convictions

  • Expert underwriters able to deal with any referrals quickly

  • Offering highly competitive rates and generous commission levels

Unoccupied Properties Covered

We can provide terms for over 50 businesses, including but not limited to:

  • Offices
  • Retail
  • Care Homes
  • Hotels
  • Leisure Facilities
  • Motor Trade
  • Nightclubs
  • Pubs
  • Social Clubs
  • and more

Unoccupancy Covered

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

Cover Highlights

  • Full perils – 3 levels of cover – £300 + IPT minimum premium
  • Property Owners’ Liability
  • Loss of rent as standard
  • Buildings
  • Contents
  • Reduce to FLEA-only cover

Additional Information

  • We’re unable to write risks in Northern Ireland.
  • We can provide cover, even if part of the premises remains in use.
  • We’re unable to offer cover for religious buildings, schools, agricultural premises, cinemas, theatres, kennels, catteries, or stables.

If you are unsure, get in touch via our online chat or call 0333 032 5000.

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