Vacant Commercial Property Insurance Google

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We can help you get the insurance you need for a vacant commercial property.

Get the insurance you need for a vacant property.

If you own a building that is currently vacant (or partially vacant), it’s crucial to get the right insurance coverages to protect the property. The property faces a lot of potential risks because it’s unoccupied with no one to watch over it. There could be a fire. Thieves or vandals could break in. Someone could trip fall and get hurt on your property and sue you over it. The building might not be occupied, but that doesn’t mean disaster can’t strike. Vacant property insurance can protect you.

Note: Different insurance carriers define “vacant” differently. They will typically have a percentage of occupation that can determine whether or not a building will be considered vacant. Even if your building isn’t completely unoccupied, it could still be “vacant.”

When you have the right vacant building insurance, a mishap doesn’t have to spell doom. We can help you get the vacant commercial property insurance you need for your building. Our agents understand the risks you face and they can help you shop for insurance for a vacant building. You’ll be able to compare coverages and pricing and find the insurance plan that’s right for you. Get started with vacant commercial property insurance quotes today by filling out our quick online form or giving us a call today.

Your vacant commercial property insurance plan might include the following…

We’ll go into each of these coverages in a bit more detail by explaining what they are and giving an example of what could be covered.

General liability insurance.

As the owner of the vacant building, you could be found liable for injuries that happen on your property. General liability insurance will protect you if someone were to get hurt on your property and then sue you. It can help you cover legal expenses and court-ordered judgments or settlements you might have to pay.  

Example: Someone is walking past your vacant building when they trip and take a bad fall. They’re injured pretty badly and they have a lot of medical bills. They decide to sue you. You’re suddenly facing a lawsuit.

Property insurance for a vacant building.

You should also consider property insurance for your vacant building. Because the building is not occupied and no one’s around to keep an eye on things, your property is susceptible to things like fire and vandalism. (Unfortunately, vacant buildings are common targets for vandals and thieves.) Property insurance can help you cover the costs of repairing or rebuilding your building if it’s damaged by a covered loss. It’s important to discuss which risks are covered and which are not.

Example 1: There is a fire at your building. The building is completely destroyed.

Example 2: Vandals sneak onto your property and wreak havoc on your building. They cause thousands of dollars of damage to the building.

Umbrella insurance.

Umbrella insurance can provide you with additional liability insurance overtop of what your other insurance policy covers. If you ever had a huge liability claim that exceeded the limit on your underlying general liability policy, your umbrella insurance would kick in and help cover the rest of your claim. It’s just like an umbrella that sits on top of your other liability insurance, hence the name.

Example: Your general liability insurance policy has a limit of $1 million. You face a huge liability claim that ends up being $2.5 million. Fortunately, you have a $3 million umbrella policy. Your general liability would cover its $1 million, then your umbrella would kick in to cover the remaining $1.5 million.  

Get quotes for insurance for a vacant building.

Insurance can feel overwhelming and stressful, but our team is made up of agents who are pros at making insurance easy. We’ll be here to help you get the insurance you need for your vacant commercial property, and we’ll make the insurance process as smooth as possible. When you work with our team, you’re never on your own to deal with insurance stuff – we’re here to help. Reach out to us and get started with quotes for vacant building insurance – it’s as simple as filling out our online quote form or giving us a call.