Vacant properties—whether residential, commercial, or industrial—carry higher liability risks than occupied buildings. In Canada, even an empty property must be maintained safely, making specialized vacant property liability insurance essential for owners.

Key Risks of Vacant Properties

Unoccupied buildings are exposed to:

• Slip, trip, and fall injuries to trespassers or visitors
• Snow and ice hazards around entrances and sidewalks
• Fire, vandalism, or arson risks
• Theft and property damage
• Structural deterioration and unnoticed maintenance issues
• Legal claims for failure to maintain safe premises

Even short-term vacancies can lead to denied claims under standard policies.

What Does Vacant Property Liability Cover?

Coverage is typically designed to protect against:

• Third-party bodily injury claims
• Legal defense and settlement costs
• Premises liability during vacancy
• Incidents involving unauthorized entry

Some policies also allow limited property coverage with strict conditions.

Why It’s Essential in Canada

Canada’s harsh winters, strict municipal bylaws, and increased vandalism risks significantly raise exposure for vacant properties. Proper insurance helps owners remain compliant and financially protected.

Vacant property liability insurance protects you—when no one else is inside.

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.