Why should your empty property be insurance compliant?

Significant evidence exists to confirm that the likelihood of damage to, or injury from an empty property is very high even if the property is only temporarily vacant, such as it would be prior to sale or refurbishment.

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Insurance Security
Insurance Security

In the UK alone there are around 9000 fires each year in empty buildings. In addition, property is damaged, contents or fixtures are stolen and the properties or land are victim to vandalism, fly tipping and illegal occupation by squatters or travellers. Water damage is a further concern particularly where maintenance and repairs are inadequate.

Clearway’s suite of fully insurance compliant products and services, including loss prevention works, are designed to mitigate any risks and retain the full value of your assets.

Property owners have a legal responsibility to ensure the safety of third parties entering the premises, whether they are employees, estate agents, surveyors, buyers, tradespeople or trespassers, and even children who decide to use the property as a playground.

In assessing the risk to your particular property (or properties) all major insurance providers look for the following:


  • What is crime like in the area?
  • Who is the site likely to attract? e.g. youths, vagrants or squatters
  • Is the site secluded or isolated?
  • What is in place to deter access or entry? e.g. lights, fencing, nearby occupancy


  • Make someone responsible for each premises
  • Ensure each premises is routinely inspected
  • Remove graffiti and posters
  • Record and control the issue of keys
  • Ensure all utility services (gas, water, electricity) are turned off and/or drained-down
  • Keep the site looking like its being cared-for and maintained
  • Correct type and value of Unoccupied Premises insurance is in place
Insurance Security


  • Ensure perimeter fences/gates are in good order
  • All doors, windows and any other accessible openings (roof hatches, skylights) are protected and secured
  • Replace all locks and account for all keys (insurance requirement)
  • An approved intruder alarm is installed, working and maintained
  • A mobile security guarding service is in place
  • All rubbish and other combustible items, both internally and externally are removed
  • Any new rubbish dumped/fly-tipped is regularly removed
  • The property’s letterbox is secured in the closed position
  • Existing sprinkler systems should be operational and correctly working
  • Existing fire alarm should be in full working order

Regular property inspections provide advanced warning of any vulnerabilities before significant issues arise. A full report will assist the property owner in complying with relevant insurance requirements.

We provide a comprehensive, professional and regular Property Inspection service designed specifically to help ensure your property is, and remains, insurance compliant.

Talk to us now

Talk to us now to discover how our loss prevention works can help you ensure your vacant property is insurance compliant before arranging insurance. Call us on 0800 085 8695.

Contact our security experts now to discuss your security requirements and get a quote from us.

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