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This can range from minor refurbishments to major works.

If you own a property that is unoccupied whilst undergoing renovation, you may find your current building or contents insurance policy is invalid n the event of a claim. This is due to the increased risk of a claim being made on an unoccupied property.

Whether you own a residential property or a commercial property such as a shop, office, factory or warehouse, we have access to a panel of insurers that can provide cover specifically designed to meet your unoccupied property needs whilst undergoing works.

Risk types available:

  • Commercial properties undergoing renovation / works
  • Residential properties undergoing renovation / works

3 levels of cover:

Level 1

  • Fire, lightning, explosion, earthquake or aircraft
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage
  • Property owners liability £2,000,000

Level 2

  • Full standard cover with cover limited for theft, malicious damage and escape of water of £2,500
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
  • Property owners liability £2,000,000

Level 3

  • Full standard cover including theft and malicious damage
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
  • Property owners liability £2,000,000

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Unoccupied property

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Unoccupied Commercial Property Owners Insurance

Undergoing Works

Unoccupied Undergoing Works Insurance

Extensive cover for complex needs

Public liability

Protection against liability claims made against you or your organisation.

Employers liability

Protection against the cost of compensation claims arising from employee illness or injury as a result of their work for you.

Professional indemnity

Cover for any claim made against your organisation by a client or customer for any losses they suffer as a result of your work or advice.

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