Vacant Building Insurance

If Your Commercial Building is Vacant, You Need a Specialized Policy. Let us Protect Your Assets

As property owners know, tenants come and go. If your building becomes vacant let us ensure it is still properly protected by insurers who understand the risk.

Get A Vacant Building Insurance Quote Today For Ontario

Let us Be your Vacant Commercial Building Expert

Standard commercial property policies include a clause that if a building become vacant for a set amount of time coverage under the policy will no longer respond in the event of a claim. In the insurers eyes the risk associated for the property has now changed and it no longer fits the standard ‘box’ it was initially rated in. The vacancy increases the risk grade because there is no supervision on the property. Depending on the insurance company and the length of time the property will be vacant, the underwriter may agree to simply endorse the policy with a vacancy permit for a few months until the new tenant takes occupancy. If this is not the case and either the underwriter requests the building to be insured elsewhere or the length of vacancy exceeds the appetite of the standard market we are here to help.

At Bevan Insurance we specialize in insuring vacant and hard to insure commercial properties. One of our brokers will visit the building for an inspection to gather all the specific underwriting information our markets will require. Once the quote is prepared our brokers will meet with you to discuss the options on the quotations and explain the coverages available.

We work with our clients and recommend risk management actions to reduce potential claims, impress underwriters and get you the best possible products. Risk management practices for vacant buildings include:

  • Central Station Alarm System
  • All Doors and Windows are Properly Secured
  • Water Shut Off to the Building
  • Outsource the Snow Removal to a Third Party Contractor
  • Have a Property Maintenance Individual Check the Property Every 48 to 72 Hours to Ensure All is In Order

Depending on the plans for the property we work with our clients to suggest three or six month policies or an annual policy to best fit the property owners’ timelines. Our markets are flexible in providing options and are happy to work to match your needs.

Let Bevan Insurance offer you a quote that is uniquely designed for your needs.

Welcome to Bevan Insurance

Clients we have helped over the years


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Bevan’s Commercial Team

Vacant building Insurance Specialist

Commercial Insurance Team

Our team of Vacant Building Insurance Brokers protect your business! Buying vacant building insurance is much more than buying a piece of paper. It is buying the trust and expertise of your insurance broker that in the event of a terrible situation your business is protected. We have prided ourselves since 1978 in educating our clients on insurance and their business – how to remove the risk from their operations. We understand your industry and your exposures.

You are the expert in your industry, let us be the expert in ours. From quoting and offering risk management, servicing your account and being your claims advocate – we make the process FAST, STRAIGHT FORWARD and EASY. Personalized, professional Vacant Building insurance knowledge tailored to your unique needs. Coverage unique as you!


Our Case Study

Who We’ve Helped

Commercial Auto Case Study
Commercial auto repair client unfortunately suffered a large fire loss at their shop. The fire started when a customer’s vehicle that was parked in the shop overnight caught fire. Luckily for the insured during their prior year renewal conversation with their customer service rep, they took the time to fully explain the Business Interruption coverage, what it included, and the time length they had purchased.