Unoccupied Property
Commercial Insurance
Unoccupied commercial property insurance covers insurance for vacant property and property undergoing renovations. An unoccupied commercial property policy is often more difficult to arrange compared to a standard commercial property insurance policy.
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Many insurers are reluctant to provide cover for vacant properties and as a result, premiums can often be significantly higher in comparison to a premises that is occupied. While cover may appear to be relatively easy to obtain, in reality when you check the small print you may find that cover is restrictive. The same applies when a property moves from occupied to unoccupied; while the existing insurer may give a short period of full cover, they could quickly restrict this.
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Seek professional advice and guidance on how to protect your assets correctly, this is where we can help.
What is Unoccupied Commercial Property Insurance
Unoccupied commercial property insurance, also known as vacant commercial property insurance, provides cover for commercial properties that are unoccupied for an extended period. Commercial properties can include office buildings, retail spaces, warehouses, and other non-residential structures.
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Why is it important to have unoccupied property insurance?
​A gap between tenants, renovation works, or waiting to sell your rental property?
Unoccupied property insurance can keep you covered against owners’ liability risks – for example, if some old brickwork fell and caused an injury – as well as damage to your empty building, contents, and certain legal expenses and emergencies, like a plumbing issue.
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Need insurance for an unoccupied commercial property?
We provide cover for empty shops, offices, studios, and all sorts of business types. Just start a quote and tell us about your property.
How to buy
Simple Steps to Secure Coverage – Buy Insurance with Ease!
Submit a quote online
Pick what you need. Buy Unoccupied Commercial Property! including protection for accidental damage, theft, weather-related risks, and liability Get quotes, customize your policy, and secure your caravan with the right insurance plan.
Check your details and payment options
Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
UK Sure does the hard work
​We dive right in, comparing property insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote tailored to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
How do claims work?
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
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Need to make a unoccupied commercial property claim?
Call our team on 01323 416706
UK Sure Customer Services
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