Unoccupied Building Insurance

The right cover for your empty commercial property

• For vacant commercial premises of up to £10 million sum insured

• Option to choose between either basic or extended cover

• Policies available for 3, 6, or 12 months

• EL, Terrorism, and Legal Expenses cover options available

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​What is Unoccupied Property Insurance?

Unoccupied commercial property insurance covers vacant properties and those undergoing renovations.

An unoccupied commercial property policy is often more challenging to arrange compared to a standard commercial property insurance policy. 

Many insurers are reluctant to provide coverage for vacant properties; as a result, premiums can be significantly higher than for occupied premises. While coverage may appear relatively easy to obtain, the small print often reveals restrictive conditions. The same applies when a property transitions from occupied to unoccupied; although the existing insurer may offer a short period of full coverage, they could quickly impose restrictions. 

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Please seek professional advice and guidance on how to protect your assets correctly; this is where we can help!​

Start an Unoccupied Property Insurance quote.

Unoccupied Property Insurance

What is unoccupied property insurance ?

Unoccupied commercial property insurance, also known as vacant commercial property insurance, provides coverage encompass a range of structures, including office buildings, retail spaces, warehouses, and other non-residential buildings essential for commercial properties that are unoccupied for an extended period of time.

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Why is it important to have unoccupied property insurance?

Unoccupied property insurance can keep you covered against owners’ liability risks – for example, if some old brickwork fell and caused an injury – as well as damage to your empty building, contents, and certain legal expenses and emergencies, like a plumbing issue.​

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Need insurance for an unoccupied commercial property?

We provide cover for empty shops, offices, studios, and all sorts of business types. Just start a quote and tell us about your property.

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​UK Sure Unoccupied Property Insurance​

​Tailor your cover
Our specialist product designed for owners of unoccupied commercial properties, offering a number of flexible options to tailor cover to each client’s needs.

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Standard & Non-Standard Properties

• Buildings sum insured up to £10,000,000

• Non-standard construction

• Renovations – cosmetic and minor structural

• Customers with a poor financial history or convictions​

Policy Cover

• A+ rated capacity

• Fire, lightning, explosion, aircraft and subsidence

• cover as standard

• Optional cover extension which adds the perils of flood, impact, malicious damage, riot and civil commotion, and storm

• Loss or damage to your premises keys​​​​