Hedge / Appetite / Vacant commercial buildings / Florida
● Review case by case in Florida / P&C

Vacant commercial buildings in Florida.

Vacant commercial buildings in Florida is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Wind exposure individually rated. Vacant & partially-occupied buildings up to 12 months. Renovation plan helps. Published target coverage includes Commercial Property with a published target of $10M / loc, and General Liability with a published target of $1M / $2M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   531120 · 531190
Also known as   vacancy, unoccupied building, empty building
Submit a risk All states for this class
Coverage

Published target coverage.

These are starting-point lines and limits for a vacant commercial buildings submission. Hedge confirms current fit, route, and available terms after account review.

Commercial Property $10M / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$10M / loc Commercial Property for vacant commercial buildings Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for vacant commercial buildings Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for vacant commercial buildings
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Under renovation with active permits
02 Central station alarm + sprinklers
03 Plans to re-occupy within 12 months
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Date of last occupancy
  • 02Renovation timeline + permits
  • 03Security: alarm, fencing, lighting
  • 04Utilities status (winter heat critical)
  • 05Photos of all 4 elevations
By state

Other states for this class.

Same class, different state. Each state page covers the verdict, limits, and any state-specific subjectivities.

Vacant commercial buildings in Louisiana
LA · Review case by case
Wind exposure individually rated.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Fix-and-flip & rehab investor P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions
FAQ

Common questions.

Does Hedge write vacant commercial buildings in Florida?

Case by case in Florida. Wind exposure individually rated. The base appetite guidance still applies, subject to account and market review.

What's different about vacant commercial buildings in Florida?

Wind exposure individually rated. This is the state-specific issue to address up front. The base vacant commercial buildings guidance otherwise applies. See the Submission section for the current list.

What limits will Hedge offer on vacant commercial buildings in Florida?

Commercial Property target up to $10M / loc; General Liability target up to $1M / $2M. These are published targets, not promised terms. Wind exposure individually rated. Available limits are confirmed after account and market review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671