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 Unoccupied Commercial Landlords Insurance work?

✅ What’s Covered

• Buildings Insurance – Protection against fire, flood, storm, and accidental damage. * terms and conditions apply whilst the property is unoccupied
• Contents Insurance – Cover for fixtures, fittings, and any items left inside.* terms and conditions apply whilst the property is unoccupied
• Liability Protection – Safeguards you if someone is injured on your premises.
• Flexible Terms – Short‑term or long‑term cover depending on how long your property is empty.
• Optional Add‑Ons – Tailor your policy with extras such as legal expenses or malicious damage cover.
  

Why buy Unoccupied Commercial 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.