Unoccupied

There is not always great appetite amongst insurers for writing unoccupied properties, so we have aimed to provide a tailored solution to assist our brokers for such placements. Our Unoccupied policy provides cover for a wide range of building types and provides wide cover wherever the property allows. 

What unoccupied properties do we cover? 

  • Retail shops 
  • Offices 
  • Industrial 

Cover Available 

Our wide breadth of cover provides everything you would expect from a comprehensive unoccupied insurance product and can include such covers as*: 

  • Full range of perils 
  • Subsidence and Accidental Damage 
  • Terrorism 
  • Property Owners Liability to £5M
  • Employer’s Liability to £10M

*(subject to underwriting criteria) 

Tailored Features and Extensions 

Our policy is designed specifically for Unoccupied Risks and cover is tailored so that your client has full peace of mind that their insurance requirements are covered. Our rating is designed to reflect features that improve the risks and include amongst others:

  • Burglar alarm 
  • Caretaker 
  • Manned security 
  • Boarded 
  • Voluntary excesses 
  • Legal Expenses Cover

    Though all care and attention may be made to ensure your clients’ properties are secure and maintained in accordance with all regulations there is always the risk of exposure to a legal case. Our Legal Expenses comes as a quick and simple add on that offers your client peace of mind and cover in the event they find themselves in the situation where they need legal assistance.   

  • A-rated Capacity

    Gresham Underwriting is a Lloyd’s Cover holder and is able to utilise both Lloyd’s and Company market capacity. We only ever use A-rated carriers. Our Unoccupied Property policy is placed under binding authority with JRP Underwriting.