Unoccupied Commercial Property Insurance for UK Businesses & Landlords
Tailored insurance for vacant commercial buildings, unoccupied business premises and empty rental properties across the UK.
✔ FCA Regulated Broker
✔ Multiple Insurer Panel
✔ Legal Expenses Cover
✔ Specialist Empty Property Cover
⏱ Takes around 9 minutes
Unoccupied Commercial Property Insurance UK
Specialist Insurance for Unoccupied Commercial Properties
Keeping a commercial property insured while it is vacant can be more challenging than arranging standard commercial property insurance. Empty buildings may present additional risks, and some insurers may apply restrictions or be reluctant to provide cover while premises are unoccupied.
At UK Sure, we provide specialist Unoccupied Commercial Property Insurance for vacant commercial premises, helping property owners and landlords explore suitable cover for buildings that are empty or undergoing renovations.
Our specialist product is available for commercial properties with a buildings sum insured of up to £10 million, with options for either basic or extended cover. Policies can be arranged for 3, 6 or 12 months, depending on the requirements of the property.
Cover can be tailored with a range of options, including Employers' Liability, Terrorism and Legal Expenses Cover. Extended cover can also include additional insured perils, subject to the policy selected.
Unoccupied properties can include office buildings, retail premises, warehouses, shops, studios and other non-residential commercial buildings. Whether your property is temporarily vacant or undergoing renovations, UK Sure can help you explore specialist insurance options for your circumstances.
Why Specialist Unoccupied Property Insurance May Be Needed
A property that becomes vacant can be subject to different insurance considerations from an occupied commercial premises. Existing commercial policies may provide full cover only for a limited period after a property becomes unoccupied before restrictions are introduced.
Specialist Unoccupied Property Insurance can provide protection for an empty building against insured risks, while also addressing certain owners' liability risks, legal expenses and emergencies, depending on the cover selected.
Seeking professional advice can help you understand the insurance requirements for your vacant commercial property and the options available to you.
⏱ Takes around 9 minutes
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Unoccupied Commercial Properties We Help Insure
At UK Sure, we provide specialist Unoccupied Commercial Property Insurance for a range of vacant non-residential premises. Whether you own an empty shop, office, studio or another commercial building, we can help you explore cover suited to your property.
Empty Shops & Retail Premises
Vacant shops and other retail premises can require specialist insurance while they are unoccupied. We can help you explore Unoccupied Commercial Property Insurance for empty retail buildings.
Unoccupied Offices
Office buildings that are temporarily vacant may require specialist insurance rather than standard commercial property cover. We provide options for unoccupied office premises, subject to the policy terms and property requirements.
Studios & Business Premises
Empty studios and other types of business premises can be covered through specialist unoccupied property insurance. Cover can be arranged for a range of commercial property types.
Warehouses & Commercial Buildings
Warehouses and other non-residential commercial buildings may require specialist cover when they are left unoccupied for an extended period. Our product is available for vacant commercial premises with buildings sums insured of up to £10 million.
Properties Undergoing Renovations
Unoccupied properties undergoing cosmetic or minor structural renovations can be considered for specialist cover. This can include commercial buildings that are temporarily vacant while work is being carried out.
Standard & Non-Standard Properties
Our specialist product can accommodate both standard and non-standard construction properties. This provides an option for commercial property owners whose buildings may not fit standard insurance criteria.
Empty Rental Properties
Unoccupied commercial rental properties can require specialist insurance while they are between tenants or otherwise vacant. We can help property owners and landlords explore suitable options for their empty premises.
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What's Included
Unoccupied Commercial Property Insurance can be tailored according to the requirements of your vacant commercial property. Depending on the cover selected, you can choose between basic or extended cover, with additional options available to provide broader protection.
The specialist product is available for buildings with a sum insured of up to £10,000,000, and policies can be arranged for 3, 6 or 12 months. Cover and options remain subject to the policy terms and conditions.
Buildings Insurance
Buildings cover can protect the insured commercial premises against specified insured events. Standard cover includes fire, lightning, explosion, aircraft and subsidence.
The product can accommodate both standard and non-standard construction properties, with buildings sums insured of up to £10 million.
Extended Cover
An optional cover extension can provide protection against additional perils, including flood, impact, malicious damage, riot and civil commotion, and storm.
This extension provides a broader range of insured perils than the basic cover option, subject to the policy terms and conditions.
Liability Cover
Owners' Liability can help protect property owners against certain liability risks associated with an unoccupied building. For example, this may apply where defective or deteriorating parts of a property cause an injury.
Employers' Liability is also available as an optional cover, according to the original product information.
Legal Expenses Cover
Legal Expenses Cover is available as an option for unoccupied commercial properties. This can provide additional protection for certain legal costs, subject to the terms and conditions of the policy.
Terrorism Cover
Terrorism Cover is available as an optional cover for the unoccupied commercial property. The availability and terms of this cover depend on the policy selected.
Vandalism & Theft
The product provides options relating to damage and loss associated with the vacant premises. The optional extended cover includes malicious damage, while the original product also identifies vandalism and theft as areas of protection.
Emergency & Key Cover
The policy can provide protection for certain emergencies affecting the property, such as a plumbing issue, depending on the cover selected. Cover also includes loss or damage to your premises keys.
How to Buy Unoccupied Commercial Property Insurance
Buying Unoccupied Commercial Property Insurance starts with providing details about your vacant commercial premises so that suitable cover options can be considered.
01 Identify Your Property Requirements
Consider the type of commercial property, whether it is undergoing renovations, its construction and the level of cover required.
02 Consider Your Cover Options
Choose between the available basic or extended cover options and consider additional covers such as Employers' Liability, Terrorism and Legal Expenses, where available.
03 Request a Quote
Click the Start a Quote button and provide information about your unoccupied commercial property. UK Sure can then help you explore suitable insurance options.
04 Choose Your Policy
Review the available cover options and select the policy that best reflects your property requirements and chosen level of protection.
05 Arrange Your Cover
Once you have selected a suitable policy, your Unoccupied Commercial Property Insurance can be arranged for the selected policy period of 3, 6 or 12 months, subject to the policy terms and acceptance.
⏱ Takes around 9 minutes
Unoccupied Commercial Property Insurance for UK Businesses & Landlords
Unoccupied Commercial Property Insurance provides specialist cover for vacant commercial buildings and empty business premises, including shops, offices, studios, warehouses and other non-residential properties. At UK Sure, we can also help arrange cover for properties undergoing cosmetic or minor structural renovations and buildings with non-standard construction, subject to the policy requirements.
Properties Commonly Covered
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Empty Shops
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Retail Premises
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Unoccupied Offices
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Studios
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Warehouses
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Commercial Buildings
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Empty Rental Properties
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Properties Undergoing Renovations
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Non-Standard Construction Properties
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Vacant Business Premises
Key Policy Features
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Buildings Sum Insured up to £10 million
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Basic or Extended Cover Options
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3, 6 or 12-Month Policies
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Fire, Lightning & Explosion
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Aircraft
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Subsidence
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Optional Flood Cover
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Optional Impact Cover
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Optional Malicious Damage Cover
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Optional Riot & Civil Commotion Cover
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Optional Storm Cover
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Legal Expenses Cover Option
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Terrorism Cover Option
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Employers' Liability Cover Option
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Loss or Damage to Premises Keys
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A+ Rated Capacity
UK Sure Authorised and regulated by the Financial Conduct Authority.
Our FCA Firm reference number is 923039.
Why choose UK Sure for your Unoccupied Commercial Property Insurance?
● Frequently asked questions