Vacant Building Property

Our Vacant Building Product is designed for your residential, commercial, and industrial vacant building risks. Our product can be quickly and easily quoted for 3, 6, 9, or 12 month policy terms either monoline or as a package.


  • No restriction on length of vacancy
  • Liability limits available up to $1,000,000/$2,000,000
  • Buildings under renovation are eligible
  • Independent Contractors coverage available
  • 3, 6, 9, or 12 month policy terms available
  • Simple short-term policy extensions by endorsement
  • All types of buildings considered
  • Vacant Condo Units are eligible
  • Package or monoline policies and Special Cause of Loss available


  • Quick quote turnaround
  • Low minimum premiums


  • Fire: Minor repairs and painting to a two story vacant building had just been finished. The insured found a tenant who had signed a lease with the intention of occupying the building within the next two months. Before the building was occupied, a fire broke out and destroyed the 2nd floor. Severe smoke and water damage was sustained to the first floor. The fire marshal suspected that the cause of the fire was old electrical wiring.
  • Lightning: The insured owned a newly completed office building and was in the process of looking for tenants. One night severe rainstorms with lightning came through the area. During the storm, lightining hit the building and traveled through the electrical system. A large portion of the electrical system had to be replaced before the future tenants could occupy the building.

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.635.4742, ext 98302