Intasure is a leading specialist in property insurance, and we have specific knowledge when it comes to arranging insurance for buildings that are unoccupied. Unoccupied building insurance is a risk that many insurers will not consider, in fact some will even insist on cancelling a policy if the period of un-occupancy exceeds a certain period of time.
In our experience, commercial premises become unoccupied for a variety of reasons, perhaps you have just purchased the property for your portfolio and are seeking a new tenant or, as is often the case nowadays, the previous tenant has left or ceased trading and the building has become empty.
We will consider a variety of different scenarios when it comes to providing insurance for unoccupied commercial buildings (or buildings that are partially unoccupied). Each case is of course decided on its merits. Our knowledgeable in-house sales team will be able to provide quick and efficient decisions on whether cover can be provided and if so, the scope of cover we can offer. Obtaining a quotation is easy, especially with our telephone call back facility and we are open in the evenings and at weekends.
If you are the landlord or freeholder of a property that is for example, a shop, office or industrial unit and the premises is currently unoccupied, we look forward to hearing from you. Policies can in most cases be converted if the property becomes occupied.
For this type of cover, the range of insurance perils we can offer depends on the risk we are presented with and the reason for un-occupancy. Our trained staff will go through the scope of the policy with you in detail, so you are fully aware of the benefits and any restrictions in the cover provided.
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*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.