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Commercial Insurance Services

Vacant Land and Properties

By January 14, 2022April 18th, 2024No Comments

With more lots and buildings going vacant recently, it’s important to keep these properties covered until business returns. We have great program options for covering residential and commercial vacant land and property, from excellent ‘A-rated carriers including Atrium, and USLI.


  • Residential
  • Commercial
  • Vacant structure with cosmetic renovations
  • 3 – 24 month terms
  • Admitted and non admitted paper
  • General liability – Available limits up to $1M/$2M
  • PC 9 & PC 10 – allowed up to $500k in TIV
  • Theft included
  • Vandalism included
  • PC 1 – PC 8 –  $3,000,000 in TIV
  • PC 9 & PC 10 – $1,000,000 in TIV
  • Coastal Zones (excluding wind and hail coverage) $1,000,000 in TIV
  • BPP/Contents coverage can be included
  • Risks with up to 250,000 square feet per location and on up to 500 acres of land
  • Excess general liability up to $5,000,000


  • City lots to large rural parcels
  • Land with lakes and ponds
  • Admitted and non admitted paper
  • A property that will be developed after our policy term
  • A small structure used for maintenance on the property
  • Risks with up to 1,000 acres per location
  • Policy terms of 3, 6, 9 and 12 months are available
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Excess coverage is available up to $5,000,000

Need Excess for those policies?
Excess is also available on Vacant land and Vacant properties and we’re having great success with:

  • UP to $5 million
  • Competitive commission
  • Ability to be primary or excess umbrella attaching over an unsupported $5 million, $10 million or $15 million excess policy
  • Umbrella coverage available over general liability, auto liability and employer’s liability
  • No self-insured retentions

No requirement to be concurrent with primary coverage.

To learn more about what you need to protect your vacant property and land, schedule a consultation with us.