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America's Internet Brokers, Inc.
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America's Internet Brokers, Inc.
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Vacant Buildings

America's Internet Brokers, Inc. offers a specialized insurance solution for vacant buildings, giving agents and brokers a reliable market to place these often-challenging risks. This program is designed for properties that are completely vacant and not undergoing renovation—whether held for sale, in foreclosure, or awaiting future use. Coverage is issued on admitted paper from carriers rated "Excellent" or better by AM Best, providing financial stability and peace of mind for your clients.

Ideal Accounts and Appetite
This program is targeted to vacant commercial and residential buildings that meet the following criteria:
  • 100% unoccupied (no partial occupancy)
  • Not currently under renovation or construction
  • Being held for sale, lease, or future development
Common fits include investment properties between tenants, recently foreclosed homes, and buildings taken off-line while owners seek a buyer or plan future redevelopment. Properties that are partially occupied, actively being remodeled, or used for operations are not eligible.

Coverage Highlights and Advantages
  • Property coverage limits available up to $5,000,000 per location
  • General liability and umbrella coverage options to manage liability exposures
  • Admitted paper placed with top-rated carriers, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich
This program addresses the key exposures for vacant properties—vandalism, theft, weather and deferred maintenance damage, and liability from trespassers or contractors. Limits and forms can be tailored within underwriting guidelines to reflect building value and exposure.

Underwriting Notes
To qualify, the building must be completely vacant with no ongoing business operations or tenants and not under renovation. Submissions are evaluated on the building’s condition, security measures, location, and intended use. Underwriting is efficient—provide clear occupancy status, recent photos if available, and any loss history to expedite review.

Territories and Availability
This program is available in the following states: AZ, CA, CO, CT, FL, GA, IA, KS, KY, MD, MA, MI, MN, MS, NJ, NY, NC, OK, OR, PA, SC, TN, UT, VT, VA, WA, and WV. Contact America's Internet Brokers, Inc. to confirm appetite for specific ZIP codes or unique property types.

Why Work with America's Internet Brokers, Inc.?
As an MGA focused on hard-to-place property risks, America's Internet Brokers, Inc. pairs underwriting expertise with access to a strong panel of national carriers. Agents benefit from responsive service, admitted paper from top-rated markets, and an underwriter willing to consider straightforward vacant property risks that other markets decline.

Example Account Scenarios
  • You have a client who purchased an investment property and is holding it vacant while seeking a tenant—this program can provide property and liability protection during the vacancy period.
  • A local lender or investor needs coverage for a recently foreclosed residential building that will remain unoccupied for several months—this program supports those transitional risks on admitted paper.

For more details or to submit a vacancy risk, visit their Vacant Buildings program page or view the full company profile on CompleteMarkets.

Frequently Asked Questions

What types of accounts are a good fit for this vacant building program?

This program is ideal for buildings that are completely vacant and not undergoing renovation. Typical examples include properties held for sale, foreclosed buildings, and investment properties between tenants.

Are buildings under renovation or partially occupied eligible?

No. The program is only for properties that are 100% vacant and not currently being renovated or remodeled.

What is the maximum property limit available?

Property coverage limits are available up to $5,000,000 per location, subject to underwriting approval.

Is this program admitted or non-admitted?

This program is written on admitted paper through carriers rated Excellent or better by AM Best.

In what states is this program available?

Coverage is available in AZ, CA, CO, CT, FL, GA, IA, KS, KY, MD, MA, MI, MN, MS, NJ, NY, NC, OK, OR, PA, SC, TN, UT, VT, VA, WA, and WV.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    0
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A.M. Best A VIII rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Supplement
    Please complete Supplement and fax to Mickey Romeo at 631-853-9850.

AGENCY LICENSING

Copy of brokers license, Broker Agreement, and E&O of not less than $1 million limits. Also, three years loss runs, and in some cases up to five years.
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America's Internet Brokers, Inc. has other insurance programs like Coastal, Flood Zone & High Value Homes.