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In a constantly evolving property landscape, unoccupied buildings are a reality for many owners. Whether a property is empty due to refurbishment, a change in use, probate or awaiting new occupants, vacant buildings bring a distinct set of risks, particularly when it comes to insurance.
At Quality Care Group, we understand that unoccupied properties require specialist protection. That is why we provide tailored insurance solutions designed to safeguard vacant assets and give owners peace of mind during periods of non occupancy.
Unoccupied properties are exposed to a different risk profile compared to occupied buildings. Without regular activity, issues such as leaks, electrical faults or structural problems may go unnoticed for longer. There is also an increased exposure to vandalism, theft and malicious damage.
Because of this elevated risk, insurers often apply restrictions to cover for unoccupied properties. This differs significantly from standard occupied property insurance, which typically offers broader protection.
Quality Care Group has extensive experience in arranging insurance for unoccupied properties across a range of sectors. Our understanding of insurer requirements and risk management expectations allows us to guide property owners through what can often be a complex area of cover.
We take the time to understand the reason a property is vacant and the specific risks involved, ensuring the insurance arranged is appropriate and compliant.
Insurance for unoccupied properties is never one size fits all. We arrange bespoke policies designed around the individual characteristics of each property.
Property damage
Protection against risks such as fire, lightning, explosion and aircraft impact. Due to the higher risk nature of unoccupied buildings, cover is often more limited than standard policies. Additional elements such as flood or subsidence may be considered subject to insurer agreement.
Property owners liability insurance
Cover in the event of injury or damage to third parties occurring at the premises.
Legal expenses cover, optional
Protection against legal costs that may arise in connection with the unoccupied property.
Expert assessment
Each property is reviewed carefully to identify specific risks and insurance requirements.
Flexible solutions
Insurance arrangements are tailored to reflect the circumstances of the property and can be adjusted as situations change.
Industry compliance
We ensure cover aligns with insurer conditions and relevant regulatory expectations.
Cost effective approach
Our market knowledge enables us to secure competitive terms without compromising appropriate protection.
Arranging insurance for an unoccupied property with Quality Care Group is straightforward.
Initial consultation
We discuss the property, its current status and any known risks.
A tailored insurance proposal is arranged to reflect the specific needs of the vacant building.
You can be confident your unoccupied property is protected while plans progress for its future use.
By choosing our tailored solutions, property owners can confidently protect their assets during periods of vacancy. To explore how we can help safeguard your unoccupied properties, contact our General Insurance Team on 01273 424904.
