Vacant Properties insurance

Vacant Properties Reinsurance Solutions

At Total Risk Managers, we specialize in providing reinsurance solutions for vacant properties, enabling insurers to manage the unique risks associated with unoccupied spaces. From vacant dwellings to commercial or industrial spaces, our reinsurance programs are designed to support insurers with comprehensive, customizable coverage options that address a wide range of property exposures and hazards.

Tailored Solutions for Vacant Property Risks

Vacant properties present distinct challenges, including increased risks of vandalism, weather damage, and liability issues. Our reinsurance solutions allow insurers to offer tailored policies that safeguard these properties while maintaining competitive terms and clear coverage options. Whether addressing temporary vacancies or long-term unoccupied properties, we empower insurers to mitigate risks effectively.

For qualifying risks, our reinsurance programs support insurers in providing:

Broad Form Coverage: Comprehensive protection against a wide range of perils, ensuring insured properties are adequately covered.
Replacement Cost: Coverage that reflects the true cost of replacing the property, providing policyholders with financial security in case of loss.
Vandalism Protection: Coverage against damage caused by unauthorized access, a key concern for vacant properties.
Sewer Backup Coverage: An essential addition for mitigating risks related to water damage, often overlooked in vacant property policies.
No Building Age Restrictions: Flexibility to cover older properties, broadening the range of insurable risks for insurers.
On-Premises Pollution: Property-only pollution coverage for qualifying risks, ensuring compliance and protection against environmental liabilities.

Why work with us

Global Reach

Our extensive network ensures access to top-tier coverage and capacity, wherever your operations take you.

Industry Expertise

Decades of experience and deep insight into the unique challenges faced by complex and high-stakes industries.

Customized Solutions

Every policy is carefully tailored to meet the precise needs of your specific project, operation, or enterprise.

Proactive Risk Management

We help you anticipate and mitigate potential risks before they become critical issues.

Supporting Insurers, Protecting Property

Vacant properties require specialized attention, and at Total Risk Managers, we are committed to empowering insurers with the tools and resources they need to succeed in this niche market. With a focus on flexibility, affordability, and robust protection, our reinsurance solutions ensure insurers can confidently address the unique challenges of vacant property coverage.