Unoccupied Property Insurance
Unoccupied Property Insurance — Cover for Empty Commercial Premises
Unoccupied property insurance covers empty commercial premises that standard property insurance will not protect. Most insurers restrict or void cover if a commercial property has been unoccupied for more than 30 days. If your property is between tenants, awaiting sale, undergoing refurbishment, or simply empty, you need specialist unoccupied property insurance to maintain protection.
At UK Sure, we offer unoccupied commercial property insurance for vacant premises with a sum insured up to £10 million. Our policies cover fire, theft, flood, storm damage, vandalism, and liability. We cover properties that are temporarily empty, awaiting renovation, between tenants, or on the market for sale.
Whether your commercial property has been empty for weeks or months, UK Sure will find the right cover.
Get a quote online or call us on 01323 416706.
Why Our Unoccupied Property Insurance
What's NOT Covered
Key Features of Our Unoccupied Property Insurance
An empty commercial property is still at risk — from arson and vandalism to burst pipes and storm damage. UK Sure provides specialist cover for vacant premises that standard insurers decline.
Up to £10 Million Cover
Vacant commercial premises insured up to £10 million sum insured. From empty shops to large industrial units — we cover properties standard insurers will not.
Extended Vacancy Periods
No arbitrary 30-day vacancy limit. Our specialist policies cover properties that have been empty for weeks, months, or longer.
UK Sure works with specialist property insurers who understand unoccupied commercial risks. Whether your property is between tenants, on the market, or awaiting renovation, our policies maintain the protection you need.
Frequently asked questions
1. What is unoccupied property insurance?
Unoccupied property insurance covers empty commercial premises that standard policies will not protect. Most insurers restrict cover after 30 days of vacancy. This specialist policy maintains protection. Call 01323 416706 for a quote.
2. How long can a property be unoccupied?
Our specialist policies cover properties that have been vacant for extended periods — not just the standard 30-day limit. The exact terms depend on the property and insurer. Call 01323 416706 to discuss.
3. What security measures are required?
Most insurers require basic security such as secured doors and windows, regular property inspections, and maintained utilities. Some policies require alarm systems or CCTV. We will explain the requirements for your property.
4. Does it cover properties under renovation?
Yes. Properties undergoing refurbishment or renovation work are covered. If major building work is planned, you may also need contractors' all-risks insurance. Call 01323 416706 to discuss your options.
5. What is the maximum sum insured?
We cover unoccupied commercial properties with a sum insured up to £10 million. For higher values, speak to our team on 01323 416706.
6. Is liability cover included?
Yes. Property owner's liability is included to protect you if someone is injured on or around your vacant premises.