Single-Tenant Buildings Insurance | All About Insurance Agency

Coverage Single-Tenant Buildings typically needs

Commercial Property

Covers the building, with a vacancy permit added between tenants.

General Liability

Covers visitor injury and property damage claims.

Commercial Umbrella

Extra liability limits above your base policies.

Business Interruption

Relevant if you occupy the building yourself.

Builders Risk

Needed if the building undergoes major renovation between tenants.

Risks specific to this industry

Vacancy between tenants is the single biggest coverage gap risk for this property type
A building sitting empty for 30 to 60 days can trigger reduced coverage under standard policies
Renovation work between tenants needs its own coverage, separate from standard property insurance
A single point of liability means the entire building's risk rests on one relationship

From our horror stories

Ninety Days Empty

A single-tenant retail building's longtime tenant closed up shop, and the owner discovered a vacancy clause had quietly reduced coverage weeks before a burst pipe caused real damage.

Read the full story →

Common questions

Single-Tenant Buildings Insurance FAQ

What happens to our coverage between tenants?

Most policies reduce or void certain coverage after 30 to 60 days of vacancy unless a vacancy permit is added. This is the single most important thing to address for this property type.

Do we need different coverage if we're renovating between tenants?

Yes, builders risk coverage is built specifically for that construction window, separate from standard property insurance.

How is our premium affected by a longer vacancy?

It's worth discussing with us directly as soon as a vacancy looks likely to extend, rather than after coverage has already lapsed.

Insurance for Single-Tenant Buildings