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Ck Specialty Insurance Associates, Inc.
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Ck Specialty Insurance Associates, Inc.
Contact Us
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Vacant & Course of Construction Insurance

Ck Specialty Insurance Associates, Inc. offers a flexible, competitive Vacant & Course of Construction Insurance program to help agents and brokers place vacant properties, new construction, and renovation projects. Whether your client owns a residential flip, a commercial building awaiting lease or sale, or a property undergoing structural renovations, this program provides tailored coverage through a streamlined underwriting flow.

Policies are placed on a non-admitted (E&S) basis with AM Best A rated carriers, making the program a strong option for risks outside the standard admitted market. The program is available in Arizona, California, and Colorado and supports short-term and project-specific terms to match construction or vacancy timelines.

Very Competitive Commissions
 ***Online rater available***          
 

Ideal Accounts and Appetite

This program is a strong fit for agents placing:
  • Vacant residential or commercial buildings awaiting sale, lease, or renovation
  • Ground-up construction for single structures or multiple scheduled locations
  • Properties undergoing remodeling or renovation, including projects with structural work
  • Real estate owned by trusts, partnerships, joint ventures, or LLCs
If your client holds real estate for short-term development, flipping, or rehab, this program gives you flexible policy terms and broader appetite than many admitted markets.

Coverage Highlights and Advantages

  • Monoline Property, General Liability, or combined Package (Property & Liability)
  • Coverage for contents and multiple-location scheduling options
  • Residential and commercial ISO policy forms available
  • Building values up to $4,000,000
  • Premises liability limits up to $1,000,000 per occurrence / $2,000,000 aggregate
  • Eligible for any combination of existing structure and renovation costs
  • Theft available when written with Vandalism & Malicious Mischief (V&MM)
  • Policy terms of 1, 3, 6, 9, or 12 months to match project timelines
  • Deductibles starting at $500
  • Low minimum premium: $500
Example: You might place coverage for a client who purchased a California single-family home to renovate and resell. The home is vacant while major repairs are completed — this program can provide property and liability coverage during the construction period with a short-term policy tailored to the project schedule.

Underwriting Notes and Minimum Premiums

Ck Specialty underwrites a wide range of vacancy and construction exposures on a non-admitted basis with AM Best A rated markets. The program accepts varied ownership structures (trusts, LLCs, partnerships, joint ventures) and accommodates mixed-risk accounts combining existing building value with renovation costs. Minimum premiums start at $500; terms and final pricing are determined by occupancy status, construction type, protection features (alarms, locks, hoarding), and loss history.

Territories and Availability

This program is currently available in:
  • Arizona (AZ)
  • California (CA)
  • Colorado (CO)
Policies are placed as non-admitted (E&S) coverage in these states.

Why Work With Ck Specialty?

Ck Specialty Insurance Associates, Inc. is a proven General Agency and Excess & Surplus Lines broker with focused expertise in hard-to-place property risks, including builder’s risk, vacant property, and renovation exposures. You get access to A-rated E&S markets, an online rater for faster quoting, and a team experienced in sculpting short-term and project-specific policies. The program’s flexibility and competitive commissions make it practical to place non-standard accounts that admitted markets often decline.

Frequently Asked Questions

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

Ideal accounts include vacant residential or commercial buildings, properties under renovation, ground-up construction projects, and real estate held by trusts or LLCs.

Are short-term policies available?

Yes. Policies can be written for 1, 3, 6, 9, or 12 months to align with a project or vacancy timeline.

Is theft coverage included?

Theft coverage is available when added with Vandalism & Malicious Mischief (V&MM) on the policy.

What is the minimum premium for this program?

Minimum premium begins at $500, making the program cost-effective for short-term or lower-value risks.

Which states is this program available in?

This program is currently offered in Arizona, California, and Colorado on a non-admitted basis.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency and Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    AM Best A rated
  • Commission:
    Very competitive!
  • Min Premium:
    $500.00

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CONTACT INFORMATION

LOCATION

20055 SW Pacific Hwy., 109
Sherwood, OR 97140
503-625-6223
View Map

APPLICATIONS

AGENCY LICENSING

WA-756918
ID-273033
NV-9247
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Ck Specialty Insurance Associates, Inc. has other insurance programs like Alarm and Electronic Security Insurance.