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Business Business Insurance Property Unoccupied Commercial Property 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. 

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.

Seek professional advice and guidance on how to protect your assets correctly, this is where we can help.

  • Wide acceptance criteria
  • Unique scheme with wide coverage
  • Independent advice
  • Access to multiple insurers
  • Coverage for residential and commercial portfolios

The Alan Boswell Group Difference

personal insurance

Alan Boswell Group understand commercial property owners business and the associated issues you face. As such, we have worked with insurers to create a bespoke product aimed at well-managed vacant property. We will take the time to understand your circumstances and will provide expert advice and solutions for you.

How our customers rate us

Very friendly, helpful and understood our needs. Great service.

Mr Kannan, Property Owners Insurance

Managing unoccupied commercial properties

Please review our short guide to managing an unoccupied property.

Read our guide now


  • No, although cover may be restricted over time, there is no maximum period.

  • Contact your insurer or broker immediately to let them know. If you don’t, you risk facing issues should a claim occur.

  • This depends on the length of time until it becomes unoccupied and also how long the property will be unoccupied for. Our experts will take the time to understand your situation and advise on the appropriate course of action.

  • Each insurer will vary, but in practice it is common sense to take precautions to reduce risk e.g remove waste, switch off utilities, secure property, regular visits/inspections etc.

Get in touch

Speak directly to our team
01603 218000
Send an enquiry
Send an enquiry
Jon Preston
Jon Preston

Account Executive

Jon has been working in the insurance industry for over twenty five years. Starting with Aviva Insurance in 1991 in an accounts role Jon also…

Ben Howes
Ben Howes

Account Executive

Before joining Alan Boswell Group, Ben Howes worked for NFU Mutual. He worked his way up to being in the New Business team tasked with…