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There is not always great appetite amongst insurers for writing unoccupied properties, so we have aimed to provide a tailored solution to assist our brokers for such placements. Our Unoccupied policy provides cover for a wide range of building types and provides wide cover wherever the property allows.
What unoccupied properties do we cover?
- Retail shops
- Offices
- Industrial

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Cover available
Our wide breadth of cover provides everything you would expect from a comprehensive unoccupied insurance product and can include such covers as*:
- Full range of perils
- Subsidence and Accidental Damage
- Terrorism
- Property Owners Liability to £5M
- Employer’s Liability to £10M
*(subject to underwriting criteria)
Tailored Features and Extensions
Our policy is designed specifically for Unoccupied Risks and cover is tailored so that your client has full peace of mind that their insurance requirements are covered. Our rating is designed to reflect features that improve the risks and include amongst others:
- Burglar alarm
- Caretaker
- Manned security
- Boarded
- Voluntary excesses
