Metcom Excess specializes in vacant property insurance, offering flexible and competitive solutions for both vacant buildings and vacant land. With a broad risk appetite, in-house binding authority, and short-term policy options, we help agents meet the unique needs of clients with unoccupied properties. While some markets avoid vacant risks, we embrace them—this is our specialty.
Ideal Accounts and Appetite
Looking to place difficult vacant property accounts? Metcom has you covered. We welcome a wide variety of vacant risks, including:
- Residential properties (DP form available)
- Commercial and mercantile buildings
- Manufacturing and industrial properties
- Vacant land with no acreage limitation
- Properties up to 6 stories for property coverage and 10 stories for CGL
- Land with ponds, lakes, or other natural features
Whether your client owns a vacant strip mall awaiting tenants or undeveloped acreage being held for investment, we can help you find the right solution.
Coverage Highlights and Advantages
Metcom Excess offers flexible policy terms and broad coverage for a wide range of vacant risks:
- General Liability: $2M/$4M primary limits (excess available)
- Property Coverage: Limits up to $12,000,000 (subject to protection class and construction)
- Policy Terms: 3, 6, or 12-month options
- Package or Monoline: Flexibility based on your client’s needs
- Competitive pricing designed for vacant risks
- In-house binding authority for faster turnaround
Underwriting Notes and Minimum Premiums
Metcom Excess underwrites most risks in-house, enabling quick quotes and efficient policy issuance. Our minimum premium starts at $500, making this program accessible for both small and large risks.
Territories and Availability
This program is available in the following states: AZ, CT, DE, FL, GA, IL, IN, MD, MA, NJ, NY, NC, OH, PA, RI, SC, VA, DC, and WI. We have access to admitted markets in some states, 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 offers deep expertise in the vacant property space. Our team understands the nuances and exposures that come with vacant buildings and land. With access to multiple carriers and a strong appetite for hard-to-place risks, we help agents secure coverage for accounts that many standard markets won’t consider.
You might have a client with an empty commercial property undergoing renovations, or a developer holding a large parcel of land before breaking ground—Metcom Excess has the tools to help you protect those assets.
Metcom Excess is your vacant property specialist!
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in vacant residential, commercial, industrial properties, and land—ideal for clients with unoccupied assets or land held for future development.
Is there a limit on the size or acreage of vacant land?
No, there is no limitation on acreage. We can accommodate large parcels, including those with ponds or lakes.
What are the available policy terms?
We offer 3, 6, and 12-month policy options to provide flexibility for short-term or transitional needs.
Are admitted markets available?
Yes, we have access to admitted markets in some states, depending on the specific risk and location.
What is the minimum premium for this program?
The minimum premium starts at $500, making it suitable for small or low-risk vacant properties.
Need help placing an account? Connect with a market specialist.