Metcom Excess specializes in vacant property insurance and provides flexible, competitive solutions for both vacant buildings and vacant land. With a broad appetite for hard-to-place risks, in-house binding authority, and short-term policy options, we help agents place accounts that many standard markets will not consider.
Ideal Accounts and Appetite
If you need a market for difficult vacant property accounts, Metcom Excess is focused on this business. We write a wide range of vacant risks, including:
- Residential structures (DP form available)
- Commercial and mercantile buildings, including strip centers
- Manufacturing and industrial properties
- Vacant land of any acreage — no blanket acreage limit
- Parcels with natural features such as ponds or lakes
- Properties up to 6 stories for property coverage; up to 10 stories for General Liability
Typical fits include owners holding land for future development, buildings between tenants or undergoing renovation, and unusual vacant sites that standard admitted markets decline.
Coverage Highlights and Advantages
Metcom Excess offers flexible policy structures and competitive features tailored to vacant risks:
- General Liability: $2M/$4M primary limits (excess capacity available)
- Property Coverage: Limits up to $12,000,000 (subject to protection class and construction)
- Policy Terms: 3-, 6-, or 12-month terms to match short-term exposures
- Package or Monoline: Choose coverage structure based on the account
- Competitive pricing and underwriting focused on vacant exposures
- In-house binding authority for faster quotes and quicker placements
Underwriting Notes and Minimum Premiums
We underwrite the majority of risks in-house, which enables quick turnaround on quotes and policy issuance. Our minimum premium starts at $500, keeping the program accessible for smaller or transitional risks. Underwriting will consider protection class, construction type, prior loss history, and vacancy duration when evaluating terms and pricing.
Territories and Availability
This program is available in the following states: AZ, CT, DE, FL, GA, IL, IN, MD, MA, NJ, NY, NC, OH, PA, RI, SC, VA, DC, and WI. We work with both admitted and non-admitted options; admitted placements are available in some states depending on the risk and location.
Why Work With Metcom Excess?
As a Managing General Agency and Excess & Surplus Lines broker, Metcom Excess brings deep experience in vacant property risks. Our team focuses on the specific exposures that vacant buildings and land present—vandalism, unattended utilities, environmental and slip/trip hazards on undeveloped lots—and structures coverage and pricing accordingly. With access to multiple carrier partners and an appetite for difficult accounts, we help you place business other markets decline.
You might have a client who owns an empty commercial building between tenants, or a developer holding several acres until project financing is finalized—Metcom Excess provides tailored short-term and longer-term solutions to protect those assets.
Metcom Excess is your vacant property specialist!
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in vacant residential, commercial, and industrial properties, plus vacant land held for future development or investment. Ideal accounts are those that standard markets find difficult to place due to vacancy-related exposures.
Is there a limit on the size or acreage of vacant land?
No — we do not impose a blanket acreage limit and can consider large parcels, including sites with ponds, lakes, or other natural features.
What policy terms are available?
We offer short-term and transitional options with 3-, 6-, and 12-month policy terms to suit holding periods and renovation timelines.
Are admitted markets available?
Yes. We have access to admitted markets in some states; whether an admitted placement is available depends on the specific risk and location.
What is the minimum premium for this program?
The minimum premium starts at $500, which makes the program accessible for smaller vacant properties and short-term needs.
Need help placing an account? Connect with a market specialist.