Premises Liability for Property Under Construction

Property owners can be held liable for poor or dangerous conditions that could have been prevented on the premises while under construction. When permanent property coverage like homeowners insurance or a commercial business owners policy is not in place, personal and commercial lines clients need protection for their financial well-being from the hazardous exposures that exist at vacant properties. If property owners neglect to prevent accidents from happening, they could be financially responsible for medical expenses associated with injuries individuals – from invited guests to neighbors, vendors and even trespassers — sustain onsite.

US Assure’s premises liability insurance product offers protection for owners from exposures arising out of vacant property ownership during construction, including the cost of events like slip and fall injuries. Residential and commercial owners need this coverage when undergoing new construction or remodeling at an unoccupied property or on land where there is no existing property coverage already in place. The coverage will pay direct damage for medical aid to the injured party that arise out of owner negligence and defend the insured should a lawsuit arise.

Premises liability insurance is a separate, complementary policy to US Assure’s builders risk coverage insured by Zurich, and it does not take the place of the contractor’s commercial general liability policy.


  • Quote and issue online in minutes
  • Insured by an “A” rated carrier and admitted in most states
  • Policy must be in the name of the legal property owner, whether it’s the homeowner or contractor
  • Insure one or multiple residential properties per policy when located in the same state; commercial properties are restricted to one location per policy
  • 3, 6 and 12-month policy terms available with limits up to $1M per location
  • Minimum premium starting at $100
  • Premium installment payments available
  • Direct bill, with optional credit card or electronic check payment method
  • A separate builders risk policy can also be secured for the owner

Eligible Clients

  • Residential and commercial property owners undergoing new construction or remodeling projects

Ineligible Clients

  • Contractors or contracting companies that do not legally own the premises

Ineligible Risks

  • Occupied properties — property must be vacant
  • Residential land in excess of five acres; commercial land in excess of 10 acres
  • Properties with more than four units on its premises 
  • Coverage is excluded for swimming pools, ponds, lakes, trampolines and swing sets in most states
  • Fuel tanks or property formerly containing underground fuel tanks
  • Pollution exposures of any kind
  • Property with any business or farming conducted on premises


Residential and Commercial Risks

  • Admitted: AR, AZ, CA, CO, CT, DC, DE, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
  • Non-admitted: entire state of AL, FL, LA and MS; also NY coastal region 
  • Not available: AK and HI

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Additional Resources 

Premises Liability Product Overview Sheet
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