Vacant Land Insurance Program from MAXIMUM
MAXIMUM offers a focused Vacant Land insurance program tailored for a broad range of undeveloped property exposures. As a wholesale broker, MAXIMUM helps retail agents and brokers place hard-to-insure vacant land risks with confidence. Whether your client holds rural acreage for future development or an urban lot that requires basic upkeep, this program provides flexible liability limits, short-term policy options, and responsive underwriting.
Ideal Accounts and Target Appetite
This program is a strong fit for:
Example scenarios you can place with MAXIMUM: a client who recently acquired a 300-acre parcel to hold for future residential development, or an owner of a small urban lot awaiting rezoning who needs liability protection while the property sits idle.
Coverage Highlights and Advantages
- • Human resources support
- • Pre-employment and tenant screenings
- • Identity theft protection
- • Marketing resources
Underwriting Considerations
All submissions are reviewed by underwriting. Risks with a single loss or claim per coverage line in the past three years may still be considered, subject to underwriting review and terms.
Ineligible risks include:
Territories and Availability
This Vacant Land program is available in most U.S. states, including but not limited to CA, TX, FL, NY, and IL. It is not available in Alaska, Louisiana, or West Virginia. The program is written on a non-admitted basis in most available states.
Why Work with MAXIMUM?
As a leading wholesale broker, MAXIMUM delivers tailored solutions for niche and hard-to-place property exposures. Their Vacant Land program combines focused underwriting, flexible short-term policy options, and access to excess capacity. MAXIMUM also provides supporting business services that help your insureds protect and manage their properties during holding periods.
We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Vacant Land Insurance needs.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for MAXIMUM’s Vacant Land program?
This program fits vacant lots and parcels up to 1,000 acres, including land with lakes or ponds and small maintenance structures, provided no business or recreational use occurs.
Are properties with future construction plans eligible?
Yes. Land intended for development after the policy term is eligible. Active construction during the policy period is not allowed.
Can the program cover land with a shed or other structure?
Yes. Structures like a locked and secured shed or garage up to 500 square feet used solely for land maintenance are acceptable.
Is this program available in all states?
No. It is available in most U.S. states but excludes Alaska, Louisiana, and West Virginia.
What coverage limits are available?
General liability up to $1,000,000 per occurrence and $2,000,000 aggregate, with excess coverage available up to $5,000,000.
Need help placing an account? Connect with a market specialist.