Vacant Building Insurance Solutions from The Distel Group
Joseph Distel & Co. Inc., operating as The Distel Group, offers a flexible Vacant Building Insurance program for commercial and residential properties that are temporarily unoccupied. Whether a property is being held for resale, between tenants, or undergoing light renovations, this program provides targeted property and liability coverages to help manage the unique risks of vacancy.
Program Overview
The Vacant Building Insurance program is available on a monoline or package basis. Property and General Liability coverages are configurable based on the property's use, condition, and level of renovation activity. We accommodate vacant commercial buildings (with or without incidental renovations) and vacant residential dwellings; monoline liability for residential risks is also available.
Agents can obtain quick online comparative quotes through our STAR rating platform: http://mgastar.com.
Ideal Accounts and Appetite
This program is designed for:
- Vacant commercial buildings with light or no renovation activity
- Residential properties between tenants or awaiting sale
- Idle properties due to foreclosure, estate transfer, or delayed development
Not a fit: properties undergoing major structural renovations, locations with significant code violations, unresolved safety hazards, or extensive deferred maintenance.
Example scenarios: You might have a client who owns a former retail space that is vacant while they search for a new tenant, or a homeowner in probate with an unoccupied single-family home—both are strong candidates for this program.
Coverage Highlights
Property coverage options:
- Building and Business Personal Property
- Basic, Broad, or Special form options
- Replacement Cost (RC) or Actual Cash Value (ACV)
General Liability highlights:
- Primary limits up to $3 million occurrence/aggregate
- Medical payments — $5,000 included
- Additional interests — included
- Coverage limited to designated premises
- Excess/umbrella capacity up to $25 million
No deductible is required for this program.
Underwriting Notes and Premiums
Minimum premium starts at $750. Underwriting focuses on structure condition, vacancy history, security measures, and planned future use. Both new submissions and renewals are accepted. The Distel Group supports fast turnarounds via the STAR system for eligible risks.
Available States
This program is currently available in the following states:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
- Vermont (VT)
Why Partner with The Distel Group?
As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group provides deep market access and underwriting expertise for vacant property risks. We place business with multiple E&S carriers, offer flexible terms for hard-to-place accounts, and give agents a streamlined quoting experience to move business quickly.
Let The Distel Group be your go-to resource for placing Vacant Building Insurance with confidence and speed.