Ideal Accounts and Appetite
We specialize in a broad range of vacant property types, including:
- Residential dwellings – coverage available on DP forms
- Commercial and mercantile buildings
- Manufacturing and industrial properties
- Vacant land – no acreage limitations; includes land with ponds or lakes
We can write buildings up to 6 stories for property coverage and up to 10 stories for CGL. This program works well for properties awaiting renovation, sale, lease, or redevelopment.
Example accounts you might place through Metcom Excess:
- A three-story former retail building left vacant while the owner markets it for lease or sale.
- A parcel of undeveloped land with a pond that will be held for future subdivision or development.
Coverage Highlights and Advantages
Our vacant property program provides agents with practical coverage options and fast service:
- General Liability limits up to $2M per occurrence / $4M aggregate (excess available)
- Property limits up to $12,000,000 (subject to construction type and protection class)
- Flexible policy terms: 3-, 6-, or 12-month options
- Monoline or package policies available
- Competitive terms for both improved and unimproved land
- Ponds and lakes may be included on vacant land policies
Our in-house binding authority enables faster turnaround on most submissions so you can meet clients’ urgent coverage needs.
Underwriting Notes and Minimum Premiums
Metcom Excess works with a mix of admitted and non-admitted markets to tailor solutions across a wide range of risk profiles. The minimum premium starts at $500. Our underwriters have experience handling niche vacant property exposures and will work with you to structure appropriate limits, coverage forms, and policy terms. For properties with atypical conditions (partial occupancy, active renovation, or unusual hazards), consult our underwriters early to determine appetite and documentation needs.
Territories and Availability
Metcom Excess writes vacant property insurance in the following states: AZ, CT, DE, FL, GA, IL, IN, MD, MA, NJ, NY, NC, OH, PA, RI, SC, VA, DC, and WI. Depending on the risk, we can place business with admitted carriers where available or access surplus lines markets as needed.
Why Work With Metcom Excess?
As a Managing General Agency and Excess & Surplus Lines Broker, Metcom Excess combines underwriting expertise with broad market access to place tough vacant property risks. Our strengths include responsive service, in-house binding authority, and experienced underwriters who know how to structure coverage for vacant buildings and land. If you have a hard-to-place vacant property, we can help you evaluate options and move the submission quickly.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for vacant residential dwellings, commercial buildings, industrial properties, and vacant land—including properties awaiting sale, renovation, or redevelopment.
Can you write vacant land with ponds or lakes?
Yes. Our program includes coverage for vacant land with ponds and lakes, and we do not impose acreage limitations for eligible accounts.
What policy terms are available?
We offer flexible policy periods of 3, 6, or 12 months to match your client’s timeline and exposure.
What is the minimum premium for this program?
The minimum premium starts at $500, allowing for cost-effective placement of many vacant property risks.
In which states is this program available?
We currently offer this program in AZ, CT, DE, FL, GA, IL, IN, MD, MA, NJ, NY, NC, OH, PA, RI, SC, VA, DC, and WI.
Need help placing an account? Connect with a market specialist.