Unoccupied Property Owners

Unoccupied building space - DUAL Oliva

Are you aware that you might not need to settle for FLEA only cover for your client’s vacant property?

Our team is highly experienced in underwriting unoccupied property risks and therefore we appreciate the specialist requirements for such properties and how difficult they can be to place within the market.Our tailored product offers a flexible underwriting approach as well as competitive premiums:

Key features 

  • Exclusive wording only available from DUAL Oliva
  • Wider perils on a majority of risks
  • Specialist knowledge of the industry
  • Options to cover on a short-term basis as well as annual offerings
  • Loss of advanced rent cover for pre-agree rental contracts subject to the type of property
  • Ability to write up to GBP 7.5M rebuild
  • Property owners liability up to GBP 5M.

Our risk appetite

  • Houses, flats, apartments,bungalows and other residential properties
  • Factories and warehouses
  • Public houses (subject to criteria)
  • Offices
  • Shops
  • Other commercial properties
  • Properties undergoing works (subject to criteria)
  • Grade 2 listed properties (subject to criteria).

We are unable to consider

  • Places of Worship
  • Schools & Educational Establishments
  • Nightclubs
  • Thatched Properties
  • Properties which are to be demolished.


The service received was excellent, it helped us to secure a new client.
Liam Godfree, Stephensons Risk Management Ltd


Photo of Linda Bichener


Linda Bichener
Underwriting Manager
Photo of Linda Bichener

Linda Bichener

Underwriting Manager , Commercial

Linda is the Underwriting Manager for the DUAL Oliva Commercial team, joining in 2000 and has been instrumental in the growth of the company. She provides a wealth of experience gained from 23 years in Property and Casualty underwriting, focusing on management in specialising schemes.

Outside work, Linda enjoys cooking, reading, reality television and travel.

M:+44 (0)7860 954 818

For all our team members

Visit our key contacts page

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We also specialise in Contractors All Risk Project

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