Vacant Building Insurance
Give retail agents and brokers wholesale vacant property insurance for eligible office buildings, retail spaces, commercial land, and other qualifying vacant risks — with low minimum premiums and fast turnaround, subject to underwriting.
Vacant Property Insurance Program
As a commercial property MGA and wholesaler, Greenwood General gives retail insurance agents and brokers access to wholesale vacant property markets built for qualifying office buildings, retail spaces, commercial land, and other vacant risks. Coverage options include Commercial General Liability for vacant land and commercial property plus general liability for eligible vacant buildings, subject to underwriting. Explore all of our wholesale commercial insurance markets.
A focused appetite for common vacant commercial exposures, subject to location, condition, crime score, security, maintenance, and underwriting review.
Greenwood General is licensed in 47 states — excluding Florida, Georgia, and New York. Availability still varies by program, class, condition, crime score, and underwriting. For the full list, use "View state eligibility."
Solutions Overview
Choose the coverage path that fits the account, from premises liability for vacant land to property and liability protection for eligible vacant commercial buildings — subject to underwriting.
Commercial General Liability coverage for eligible vacant commercial land and premises exposures.
Property and General Liability coverage for eligible vacant office, retail, and other commercial buildings.
Program Highlights
The program combines low minimum premiums with clear account limits and fast underwriting for qualifying vacant property risks.
Submission Requirements
Complete submissions help underwriting evaluate property condition, length of vacancy, intended future use, security, maintenance, crime score, and prior loss experience.
Built for Brokers
Submit a complete vacant land or vacant building account for access to Commercial General Liability and Property solutions for qualifying commercial risks.
Vacant Property Insurance FAQ
Eligible risks may include vacant office buildings, vacant retail spaces, vacant commercial land, and other qualifying vacant commercial properties, subject to underwriting review.
Vacant building property coverage may be available for eligible risks up to $750,000 in total insurable value.
Eligible accounts may include up to five buildings across no more than four locations.
Yes. A BestPlaces.net crime score of 50 or less is required for eligible vacant building risks.
There is no fixed limit on length of vacancy. Eligibility depends on the building's condition, security, maintenance, crime score, and intended future use, subject to underwriting review.
Yes. Vacant commercial land can be written on a monoline Commercial General Liability basis without property coverage, with a minimum premium starting at $1,000, subject to underwriting.
A complete submission typically includes the ACORD applications, a completed vacant property supplemental, currently valued loss runs, and details on property condition, length of vacancy, security, maintenance, intended future use, and a BestPlaces.net crime score of 50 or less.
No. Vacant factories are not eligible under this vacant property insurance program.
Greenwood General is licensed in 47 states. We currently do not write business in Florida, Georgia, or New York. Availability still varies by program, carrier, class of business, property condition, crime score, and underwriting guidelines — confirm eligibility with your underwriter.
