Vacant Building

Vacant Building Insurance


Sterner Insurance Agency - Apple Valley, MN - Your Vacant Building Insurance Professionals

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When a building has been vacant for more than 60 consecutive days before a loss or damage occurs, there is NO COVERAGE for vandalism, sprinkler leakage (unless you've protected the system against freezing), building glass breakage, water damage, theft, or attempted theft. For other types of covered claims, such as fire or wind, the amount payable would be reduced by 15%.

General Liability

  • Primary Limits up to $3,000,000 Occurrence/Aggregate Vacant Building Insurance

Included Coverages:

  • Medical Payments Coverage - $5,000 Limit
  • Additional Interests


  • No Deductible Required


  • Building
  • Contents
  • Basic, Broad or Special Form
  • Replacement Cost or ACV

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Vacant Building Insurance policy holders.