Vacant Commercial
Buildings Insurance

The Vacant Commercial Building program from Blitz provides fast, flexible property and general liability coverage for vacant commercial spaces, whether newly vacant, long-term vacant, or undergoing cosmetic renovation, with up to $5M in total insured value per location and policy terms as short as 3 months. It’s built for speed in the E&S market, offering nationwide availability (with limited exclusions), simple underwriting, and zero-cost endorsements to protect owners while properties are unoccupied.

Blitz’s Cannabis Operators program delivers tailored, reliable insurance solutions to one of the most highly regulated and underserved sectors in the market. With flexible coverage that spans from seed to sale—including General Liability, Property, and optional Employee Benefits Liability—Blitz ensures cannabis businesses are protected at every stage. Their platform supports a wide variety of operator classes, from growers and processors to dispensaries and transporters, making it one of the most inclusive solutions in the industry. By combining simplicity, speed, and compliance, Blitz empowers cannabis entrepreneurs to get covered quickly and confidently—without the red tape.

Features

Flexible short-term policy options
Up to $5M TIV
Package or monoline coverage
Covers multiple vacancy scenarios
Zero-cost key endorsements

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Why Blitz

Why insure with Blitz for vacant commercial buildings?

Because Blitz delivers fast, flexible E&S coverage designed for vacant commercial properties—protecting buildings during transition without the delays, restrictions, or rigid terms of traditional carriers.

What makes Blitz different for vacant commercial building risks?

Our technology-driven underwriting supports short-term vacancies, long-term vacancies, and renovation periods with clear terms, flexible policy lengths, and coverage built for real-world vacancy exposure.

Why do brokers choose Blitz for vacant commercial building accounts?

We make hard-to-place vacant risks easier to bind with quick quoting, broad eligibility, and underwriting that understands how vacant properties are actually used and managed.

Vacant Commercial Buildings

General Liability
Premises & Operations: $1M or $2M Aggregate
Property Coverage
Building: Max TIV $5M per location
Tenant Improvements and Betterments
Replacement cost available for eligible risks
Territories
All states (including Washington D.C.) excluding Hawaii, Idaho, Louisiana
Available Policy Terms
3, 6, 8, 10, and 12 months
Eligible Property Occupancy Types Include
Retail/mercantile
Offices
Restaurants
Warehouses or storage
Schools
Parking garages
Commerical Condominium units
Health or exercise facilities
Hotels and Motels
Eligible Commercial Buildings Include
Newly vacant properties
Long-term vacancies
Properties undergoing cosmetic renovation
Brand new construction
Max Exposures
$5,000,000 total insured value per location
Package or monoline General Liability policies available
Eligible Classes
  • Vacant Commercial Space (ISO 68606)
Ineligible Property Occupancy Types Include
Vacant Habitational Buildings
Properties that are condemned, foreclosed, intended for demolition, or abandoned
Modular or manufactured structures, trailers, or other structures
Premises showing signs of potential contamination or for which a pollution or contamination assessment or clean-up is anticipated, scheduled, or under way
Vacant land with no buildings
Premises greater than 5 acres
Endorsements
  • Blanket Additional Insureds and Scheduled Additional Insureds are available at $0 premium.
  • Primary & Noncontributory.

About Blitz

Blitz is a technology-led insurance company that brings the $100B E&S market into the next generation. Focusing on small commercial E&S property & casualty risks, Blitz’s fast and simple end-to-end technology forward underwriting platform displaces the lengthy, manual insurance-buying processes that have frustrated both brokers and business customers alike.

The insurance products described on this website are offered by non-admitted insurers that are not licensed by the State of California or State of New York. These insurers are not subject to the financial solvency regulation and enforcement that apply to California and New York-licensed insurers. Please consult with a licensed surplus line broker for further details.

Blitz Insurance transacts surplus lines insurance in California through Blitz Insurance Agency, LLC, a licensed surplus lines broker, CA Lic. No. 6003828.

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