Vacant Land

Online quoted product specifically designed for land that is completely vacant, not leased to others. Plans may exist to build on the land, but construction activities must not have started yet.  However, if your risk doesn't qualify for online quoting, we have numerous in-house markets with whom we can place; send in applications instead.

Product Features
  • No liability deductible
  • General liability limits (up to) $1,000,000 per occurrence
  • General aggregate Limit (up to) $2,000,000
  • Low minimum premiums
  • Can offer policy terms of 3, 6, 9 or 12 months
  • Up to 1,000 acres per location
  • Lakes and ponds up to 25 acres in size
  • Vacant land that:
    -   Does not have structures on the premises except for a shed or garage which is 500 square feet or less used for maintenance of the land and is locked and secured from unauthorized entry
    -   Does not have business or recreational activities
    -   Does not have plans for development or construction during our policy term

Other Markets may also consider:

  • Vacant land with or without structures
  • Increased limits and excess options
  • Cell Phone Towers on vacant lot (if landowner named AI on phone company’s policy)
  • Property with fenced swimming pool
  • Land leased to others for uses such as:
    -   Hunting/Fishing
    -   Farming/Grazing
    -   Timber
    -   Recreation (hiking, camping, dirt biking, snowmobiling)
    -   Logging
    -   Parking
    -   Landfill
Why purchase a vacant land policy?
  • A child rides a bike onto the property, crashing over a cement parking stop and injuring his wrist
  • A tree located within your premises falls after severe windstorm, and damages a car parked alongside your lot
  • The sidewalk surrounding your property cracks and a passerby stumbles on the crack, injuring herself

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*Coverage may not be available for all accounts or in all states
*Applications will apply to most markets but in certain circumstances additional applications may be needed
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