Commercial Unoccupied Property
Need flexible, affordable, unoccupied commercial property ? Let Fortify Insurance compare our markets to find you great quality cover. Our 4.9/5 Google-rated team are specialists in all forms of landlord cover, and we’ll find you the right cover at the right price.
Affordable Empty Commercial Property Protection
Whether you have an empty office, shop, warehouse, or industrial unit, Fortify Insurance can help you find affordable cover for your unoccupied commercial premises. Thanks to our close relationships with a range of leading insurers – household names including Aviva, RSA, and Axa –
we can offer you affordable, flexible high-quality protection for:
- Empty shops
- Unoccupied offices
- Business premises under construction
- Commercial premises undergoing renovation
- Empty warehouses
- Vacant factories
- Commercial properties awaiting new tenants
In fact, when it comes to empty commercial properties, we can find affordable cover for most premises. If you’d like some advice regarding a specific property, then please call Fortify on 01733 301521 and we’ll be only too happy to help.
If your property is left empty for a period of time – sometimes for as little as 30 consecutive days – then your cover may be reduced or even become invalid. This is because when buildings are left vacant the risks from flood, fire, burglary, vandalism, or storm damage rise significantly.
Some insurance brokers struggle to offer affordable unoccupied commercial property protection. Thanks to our extensive network of insurer relationships, we can find you a flexible, competitively priced policy that covers:
- Storms
- Floods
- Theft or attempted theft
- Fire
- Vandalism
- Double glazing
- Accidental damage
- Oil and water leaks
- Subsidence
- Owner’s liability cover
There are two main types of unoccupied cover, and we can offer you both:
- Contents and buildings
- Buildings only
One of the great advantages of unoccupied cover through us is that it gives you complete flexibility. As soon as the building becomes occupied you can cancel your policy and you’ll only pay for the time that it was vacant.
How To Keep An Empty Commercial Property Safe
Prevention is always better than cure, and the following simple steps will help you keep your empty building safe:
- Pay regular visits
- Leave utilities on and put lights on timers
- Invest in a burglar alarm or security guards
- Make working hours visits to the property
- Leave vehicles parked outside during working hours
- Ensure any vandalism – broken windows etc. – is taken care of quickly
- Collect mail and make sure junk mail isn’t piling up
- Remove any fly posting from shop windows
- Whitewash shop windows
Frequently Asked Questions
Empty properties can be a real headache, so to help you get the protection you need, here are a selection of frequently asked questions about unoccupied property insurance:
We can find you policies that last for weeks, months, or even longer. Our panel of insurers allows us to be flexible, so if you’d like to discuss your specific needs, please call 01733 777789 or contact us today.
Yes, as soon as the building becomes occupied, you can cancel your policy, and we’ll arrange a refund on the remaining cover.
We can insure all kinds. Whether it’s commercial or residential, rented or owned, we can find you an affordable, high-quality policy to suit your needs.
Invariably, there are conditions, the most common ones being:
- Some insurers will insist on regular visits being made to the building. These don’t have to be made by the owner; it just needs to be frequently inspected
- Insurers will almost certainly want you to remove any valuables from the premises
- What condition is the building in? If it is not secure – e.g., with broken windows or missing doors – it’s unlikely you’ll find cover
- If it’s vacant during the winter, insurers may ask that the heating be left on to reduce the risk of burst pipes or may agree to the system being drained
How much you pay will depend on factors such as:
- The length of time it will be unoccupied
- Its value
- Where it is
- Its condition
- The level of security – those with burglar alarms, security lights, window locks, etc. will attract lower premiums as they represent a lower risk
- If it is at risk from flooding
- The rebuild costs
Typically, the following won’t be covered:
- Loss or damage as a result of unforced entry, e.g., when windows or doors are left open
- Damage caused by major works, e.g., by the building of extensions/structural repairs
- Damage caused by contractors