What is Unoccupied Commercial Landlords Insurance?

When a commercial property is left empty — whether between tenants, awaiting sale, or undergoing refurbishment — standard landlord insurance often won’t provide cover beyond 30–60 days. Empty buildings face higher risks of theft, vandalism, fire, and unnoticed damage. Unoccupied Commercial Landlord Insuranceis a specialist policy designed to protect UK property owners during these vacant periods, ensuring your investment remains safeguarded even when no one is using the premises.

Specialist Cover: Provides protection when your property is vacant due to

renovations, probate, sale delays, or long absences

How does  Residential Unoccupied Landlords Insurance work?

This insurance provides tailored protection for the unique risks associated with unoccupied commercial properties. Policies typically include:

• Buildings Insurance – Covers structural damage from fire, flood, storm, or accidental incidents.
• Contents Insurance – Protects fixtures, fittings, and any equipment left inside.
• Property Owners Liability – Safeguards you if someone is injured or their property is damaged on your premises.
• Loss of Rent – Ensures income protection if your property becomes uninhabitable due to an insured event.
• Flexible Terms – Short‑term or long‑term cover depending on how long your property is vacant.

If an insured event occurs — such as vandalism or storm damage — you can claim to recover costs, repair damage, or replace lost income, keeping your investment secure.

Why buy Residential Unoccupied Landlords Insurance?

Commercial properties are valuable assets, but when they’re empty, they’re more vulnerable. Without specialist insurance, you could face significant financial loss if damage occurs or if liability claims arise during vacancy. Buying Unoccupied Commercial Landlord Insurance ensures continuous protection for your building and finances, giving you peace of mind while you wait for new tenants or complete renovations. It’s not just about compliance — it’s about safeguarding your future and protecting your income stream.

🏡 Specialist Cover for unoccupied commercial properties.

⚡ Fast & Simple: Get insured online in minutes.

🔒 Trusted Protection: Policies backed by leading UK insurers.

💬 Expert Support: Our team helps you choose the right cover for your rental property.