Vacant Buildings & Land

Your go-to market for commercial buildings that are at least 70% vacant,
including buildings undergoing minor renovations and repairs.   

Product Features

  •  No length of vacancy requirement for coverage 
  • Actual cash & replacement cost valuation  
  • Causes of Loss: Basic, Broad, Special- including and excluding theft 
  • Business personal property- ACV basis (for risks not undergoing renovations)  
  • 3, 6, and 12-month policy term


Limits Available

  • General liability limits up to $3 million / $3 million  
  • Property limits up to $2 million* (protection classes 1-8)

          *Monoline property not available

Underwriting Requirements

  • Completed and signed ACORD application  
  • Loss history (3-5 years) 
  • No prior bankruptcies 

Ineligible Risks

  • Risks having an arson loss in the last 3 years  
  • Any risk scheduled for demolition  
  • Damaged or abandoned structures  
  • Buildings on the historic registry 
  • Flat or no coinsurance terms  

Coverage Availability

  • Not available in Tier 1 & Tier 2 areas  
  • Coverage in Texas is non-coastal

Agent Benefits


Fast proposal turnaround


Competitive commission


Virtual inspections


Supplemental Apps

These Supplemental Applications are required for their classes. Alternate supplementals are accepted so long as the same information is included. 

Additional Insured Supplemental