Ideal Accounts and Appetite
Metcom Excess offers coverage for a broad range of vacant property types, including:
- Residential properties (DP form available)
- Commercial and mercantile buildings
- Manufacturing and industrial risks
- Vacant land with no acreage limitations (ponds and lakes can be included)
We can consider structures up to six stories in height for property coverage and up to ten stories for commercial general liability. This makes our program suitable for urban, suburban, and rural vacant risks alike.
Coverage Highlights and Advantages
Our Vacant Building Insurance program features:
- Commercial General Liability limits up to $2M/$4M (excess available)
- Property limits up to $12,000,000 (subject to protection class and construction type)
- Flexible policy terms: 3, 6, or 12-month options
- Available as a package or monoline policy
- In-house binding authority on most risks for faster turnaround
- Competitive pricing across all covered property types
This program is ideal for clients in transition—whether preparing a building for sale, awaiting renovation or tenant occupancy, or managing land holdings.
Underwriting Notes and Minimum Premiums
We offer simple submissions and responsive underwriting. Most risks can be bound in-house, allowing for fast quotes and issue. Our minimum premium starts at $500, making this a cost-effective solution for vacant property exposures of all sizes.
Territories and Availability
Metcom Excess offers this program in the following states: AZ, CT, DE, FL, GA, IL, IN, MD, MA, NJ, NY, NC, OH, PA, RI, SC, VA, DC, and WI. Coverage is available through various carriers, with both admitted and non-admitted options depending on the risk and location.
Why Work With Metcom Excess?
As a Managing General Agency and Excess & Surplus Lines Broker, Metcom Excess specializes in niche property risks and tough-to-place accounts. Our in-house authority, market access, and deep understanding of vacant property exposures make us a reliable partner for agents and brokers across the Eastern and Midwestern U.S. If you’re looking for a responsive, knowledgeable team that doesn’t shy away from vacant risks, Metcom Excess is your go-to market.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for vacant residential, commercial, industrial buildings, and vacant land. Risks in transition—such as properties awaiting sale, renovation, or new tenants—are also a great fit.
Are there any property height restrictions?
Yes, we can write up to 6 stories for property coverage, and up to 10 stories for general liability coverage.
Is there a minimum premium requirement?
Yes, the minimum premium for this program starts at $500, depending on the specific risk and coverage selected.
Can you provide short-term policies?
Absolutely. We offer flexible policy terms of 3, 6, or 12 months to meet the unique needs of vacant property owners.
What states is this program available in?
We offer coverage 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.