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Vacant Property Coverages — Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a focused vacant property program built for independent agents and brokers who need short-term Property and General Liability protection for unoccupied buildings. This program places coverage with United States Liability Insurance Group and is designed to simplify placement for vacant residential, commercial and mixed-use properties that will remain unoccupied for defined terms or are undergoing minor renovation. Overview of the Program The Vacant Property Coverages program provides standalone Property and General Liability insurance tailored for vacant risks. Policies can be written for 3, 6, 9 or 12 month terms, with flexibility to renew as needed. There is no restriction on the length of vacancy — the program accommodates long-term vacancy as well as short-term transitions. Coverage can also be offered where the insured has limited on-site work or minor renovations underway. Ideal Accounts and Appetite This program is a fit when you need a straightforward market for: Vacant single-family homes, vacant condos and small multi-family buildings Vacant retail, office or light industrial units awaiting tenancy Properties undergoing limited or cosmetic renovation (no major structural or contractor-driven gutting) Owners preparing a property for sale or transferring ownership Typical risks that place well are properties with reasonable security measures (locks, boarded windows where appropriate, periodic inspections) and no recent history of significant property damage or arson-related losses. Coverage Highlights and Advantages Property and General Liability packaged for vacant buildings — designed to close coverage gaps when standard homeowners or commercial policies are not available. Flexible term options: 3, 6, 9 or 12 months to match the insured’s timeline. No restriction on total length of vacancy, allowing continuity for long-term vacant holdings. Accepts risks with minor renovation activity; helps migrate exposures while work is limited and supervised. Competitive entry premiums — premiums advertised to start as low as $1,000 plus fee and tax, depending on exposure and state filing. Underwriting Notes and Minimums Underwriters will review recent occupancy history, loss run information, security and maintenance plans, and any remodeling scope. Declinations or cancellations for arson, vandalism or major water losses may affect eligibility. Because underwriting is driven by property condition and loss history, complete submission details improve turnaround time. Premiums vary by state, occupancy type, construction and limits. As noted in program materials, premiums can start as low as $1,000 plus fee and tax; actual terms and minimums will be quoted on submission. Territories and Availability The program is available through Bailey Special Risks’ wholesale platform in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, MT, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY. Why Place Vacant Property with Bailey Special Risks, Inc. Wholesale broker expertise that matches vacant exposures with a dedicated carrier (United States Liability Insurance Group). Fast quotes for short-term needs — ideal when a client needs immediate protection while a property is between tenancies or under minor renovation. Clear appetite and flexible terms that help agents move business that might otherwise fall into coverage gaps. Example Scenarios You have a client who owns a three-unit building that has been vacated for tenant turnover and needs protection for 6 months while new tenants are secured. A homeowner is renovating a vacant townhouse (cosmetic upgrades only) and requires property and liability coverage during the work period; this program can provide a short-term policy for that phase. Frequently Asked Questions What types of accounts are a good fit for this vacant property program?Properties that are unoccupied single-family homes, small multi-family units, retail or office spaces awaiting tenancy, or buildings undergoing limited cosmetic renovation are primary fits—provided there is no recent history of major losses or arson. What terms and policy lengths are available?Policies are available for 3, 6, 9 or 12 month terms and can be renewed as needed to match the client’s timeline. Can we insure a property that is undergoing renovation?Yes—this program will consider risks with minor or cosmetic renovations. Major structural work, extensive contractor operations, or full gut rehabs may require a different placement or additional underwriting detail. Are there minimum premiums or price points agents should expect?Premiums depend on state, construction, exposure and limits. Program materials indicate premiums can start as low as $1,000 plus applicable fees and tax; final pricing is determined at quote. Which states are eligible for this program?The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, MT, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI and WY. Need help placing an account? Connect with a market specialist.

Vacant Property Insurance Program from Ashley General Agency Ashley General Agency offers a specialized Vacant Property Insurance program tailored for both residential and commercial properties that are currently unoccupied. Vacant structures face a higher risk of damage due to vandalism, theft, and other liabilities, making proper coverage essential. This program is designed to help agents and brokers place hard-to-insure vacant risks with confidence through access to reliable carriers and flexible underwriting solutions. Ideal Accounts and Appetite This program is well-suited for: Residential homes between tenants or for sale Commercial buildings awaiting renovation, lease, or sale Newly constructed properties not yet occupied Foreclosed or bank-owned properties Whether your client is a real estate investor, property manager, lender, or individual homeowner, Ashley General can help you place vacant property risks that require specialized attention. Accounts with a moderate to low risk profile and clear plans for future occupancy or renovation are preferred. Coverage Highlights and Advantages Vacant properties are vulnerable to exposures that aren't typically covered under standard property policies. Ashley General’s program provides protection against: Theft and vandalism Trespassing incidents Insect or pest infestation Other liability-related risks unique to vacant structures Coverage can be tailored to short-term or longer-term vacancies, depending on the property's condition and future plans. This flexibility allows agents to match solutions to their clients' timelines and risk scenarios. Underwriting Notes and Minimum Premiums Minimum premium starts at $2,500, with underwriting evaluating factors such as property location, occupancy history, security features, and planned use. Properties with significant damage or unsafe conditions may be outside of appetite, but Ashley General’s experienced underwriters will review borderline cases with a solution-oriented approach. Territories and Availability This program is currently available in Texas. Admitted and non-admitted options may be available depending on the specific risk and carrier placement. Ashley General partners with a range of trusted carriers to find the best fit for each account. Why Work With Ashley General Agency Ashley General Agency is a Managing General Agency (MGA) and Excess & Surplus Lines Broker with deep experience in specialty property risks. Agents gain access to multiple carrier options, responsive underwriters, and a streamlined submission process. When you work with Ashley General, you’re partnering with a team that understands the urgency and complexity of vacant property placements. If you have clients with vacant buildings—whether residential or commercial—Ashley General can help you secure the right coverage with minimal turnaround time. Contact us for more information on our Vacant Property Insurance program. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes, commercial buildings awaiting lease or sale, and properties in transition due to foreclosure or renovation. Is this program available outside of Texas?Currently, this program is only available in Texas. Contact us for updates on future state availability. What is the minimum premium for this program?The minimum premium starts at $2,500, depending on the property type, location, and risk profile. Can I submit properties with prior claims or damage?Properties with prior claims or damage may be considered on a case-by-case basis. Underwriters will evaluate the extent of damage and any mitigation measures in place. What types of coverage are included in the policy?Coverage may include protection against theft, vandalism, trespassing, and liability exposures such as insect infestation, depending on the policy terms. Need help placing an account? Connect with a market specialist.