We have over 40 years experience working with:
Unoccupied Commercial Property Insurance
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At Property Insurance Centre we understand the needs of landlords who sometimes struggle to get the best levels of cover for their unoccupied commercial building.
For over 40 years we have specialised in Commercial Insurance and have exclusive access to bespoke unoccupied insurance packages for our clients. With a variety of packages available depending on the perils that you are looking to cover speak to us today on 0800 085 3761 to see how we can help you.
What Cover Does Empty Commercial Property Insurance Provide?
Insurers deem unoccupied properties to be a higher risk than a regular property and should have a specialised policy to reflect that. Unoccupied Commercial Buildings are more likely to attract unwanted visitors whether this be because it is an easy target to vandalise without getting caught or even because they are curious and unaware of the danger that they can pose. If properties are not checked thoroughly enough small damages could be missed and left to get worse and if there was a fire or flash flood it can take longer for someone to notice and alert the authorities.
No two properties are the same or are left unattended for the same reasons. Therefore we offer varying levels of cover to suit our individual clients needs. Typically, cover can be arranged for:
- Protection against vandalism including graffiti
- Cover for damage caused by flooding, fire or subsidence
- Contents cover up to £20,000
- Theft from secured garages and outbuildings up to £500
- Property owners liability, if your conservatory roof blows off and damages your neighbours property for example
Securing your Empty Property
When taking out Insurance for Unoccupied Commercial Property, Insurers may require you to secure your property over and above what you would regularly do. This can include locking all windows and doors with approved locks and having a burglar alarm fitted. Removing all valuables and tools from the building including petty cash you may leave in a safe. Leaving safes open and empty, turning off the mains and draining the water systems. Regular checks of the building should also take place.