How should I insure a vacant building?
Let's start by going over what "vacant" means. A vacant building is one that is without regular occupants and whose former occupants have left with no intention to return. A building is deemed vacant if it is in this condition for more than 30 consecutive days.
It is, however, not simply an unoccupied building. A a build is unoccupied if it has no regular occupants but still contains things such as furnishings and other personal items. A vacant building, on the other hand, is devoid of its usual contents (see Business Insurance: Building, Contents and Stock to learn more about commercial insurance for housing content)..
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Written by Jacques Wong

Jacques grew up around the insurance industry and began actively participating in 2013. Since then, he has gotten a Level 2 license, won Insurance Council of BC awards in 2015 and 2020 for academic excellence in the insurance licensing courses. He educates insurance professionals through PNC Learning and as a Thought Leader at ReFrame Insurance.
In his day job as an insurance broker, he helps businesses with creative risk management solutions and strategic advice when it comes to insurance.
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