Vacant commercial properties present unique insurance challenges. Most standard commercial property policies include conditions that must be met when a property becomes unoccupied — and failing to meet these conditions can void your cover entirely.
What Insurance Conditions Apply to Vacant Properties?
The specific conditions vary by insurer, but common requirements include:
Regular inspections at defined intervals (typically weekly or fortnightly)
Written records of each inspection
Removal of combustible materials
Maintenance of security systems (alarms, locks, CCTV)
Notification to your insurer when the property becomes vacant
The Inspection Requirement
The inspection requirement is the most commonly overlooked condition. Many insurers require that vacant properties are inspected at least once per week, with a written record of each inspection.
This is where professional vacant property checks become essential. A keyholding provider can carry out regular inspections on your behalf, providing timestamped, GPS-verified reports that satisfy your insurer's requirements.
What Should an Inspection Cover?
A thorough vacant property inspection should check:
All entry points (doors, windows, roof access)
Security systems (alarms, CCTV, access control)
Signs of unauthorised access or occupation
Water ingress or structural damage
Fire risks (combustible materials, electrical hazards)
How Keysure Supports Vacant Property Compliance
Keysure provides scheduled vacant property inspection services with full digital reporting. Every inspection generates an automated report with GPS coordinates, timestamps, and photographic evidence — exactly what your insurer needs to confirm compliance.
Our platform allows you to schedule inspections at the frequency required by your policy, with automatic alerts if an inspection is missed.
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