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Unoccupied Properties - Commercial and Residential

We have a wealth of expertise in underwriting unoccupied property risks. We understand the specific requirements for vacant Residential properties or Commercial premises with residential accommodation.

Target Sectors

Our product is able to accommodate a broad range of unoccupied premises that could be vacant due to renovation or undergoing other work, awaiting sale and/or pending let.

Key Features

white wooden framed glass door
  • Level 1 – Fire Lightning Earthquake Explosion & Aircraft (FLEEA) only + Property Owners Liability (POL)
  • Level 2 – Full Perils + POL
  • FLEEA with Storm, Flood and Weight of Snow, Escape of Water, Escape of Oil, Theft or Attempted Theft, Collision, Malicious Damage, Subsidence, Falling Trees.
  • Buildings and Contents cover available
  • Properties undergoing alteration or repairs
  • Properties in probate/to be let/for sale
  • Pro rata return of premium upon cancellation
  • Cover for anyone buying the property until the sale is complete or the insurance ends
  • Damage to the property caused by the attendance of the emergency services (limited to £1,000 any one period)

Limits Available

Maximum sums insured is £5,000,000 any one risk Property Owners Liability up to £5,000,000 any one risk

Unacceptable Risks

Thatched properties
Any property with Japanese Knot Weed
Grade 1 or A Listed Properties
Construction with Asbestos
Wimpey No Fines Construction
Demolition Works

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