Vacant commercial buildings insurance · Yes · Hedge E&S
Hedge / Appetite / Vacant commercial buildings
Actively writing / P&C

Vacant commercial buildings.

Vacant & partially-occupied buildings up to 12 months. Renovation plan helps.

NAICS   531120 · 531190
Also known as   vacancy, unoccupied building, empty building
Coverage

What we'd quote.

Standard limits on a clean vacant commercial buildings submission. Excess towers structured on request.

Commercial Property $10M / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Under renovation with active permits
02 Central station alarm + sprinklers
03 Plans to re-occupy within 12 months
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01Date of last occupancy
  • 02Renovation timeline + permits
  • 03Security: alarm, fencing, lighting
  • 04Utilities status (winter heat critical)
  • 05Photos of all 4 elevations
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Vacant commercial buildings in Louisiana
LA · Edge, case by case
Wind exposure individually rated.
Vacant commercial buildings in Florida
FL · Edge, case by case
Wind exposure individually rated.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write vacant commercial buildings?

Yes. Vacant commercial buildings is in appetite. Vacant & partially-occupied buildings up to 12 months. Renovation plan helps. First response inside 30 minutes during business hours.

What does Hedge need to quote vacant commercial buildings?

Date of last occupancy; Renovation timeline + permits; Security: alarm, fencing, lighting; Utilities status (winter heat critical); plus 1 more standard items. Pulling these together with the file gets you to a quote in hours.

What limits and lines does Hedge offer on vacant commercial buildings?

Commercial Property to $10M / loc; General Liability to $1M / $2M. Excess towers are structured on request.

Does Hedge write vacancy?

vacancy is one of the ways brokers describe vacant commercial buildings, and yes, we handle it under our Vacant commercial buildings appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671