Unoccupied Care Pro

Specialist Unoccupied Property Insurance for Solicitors acting as a Professional Attorney or Deputy.

We know how busy your professional team is. As a deputy or professional attorney responsible for managing your client’s property and financial affairs, you need to arrange suitable insurance quickly, efficiently, and with confidence.

We understand your challenges:

• Extending a client’s existing home insurance can seem easiest, but it often adds impractical conditions such as frequent inspections or water system drain-downs.
• Many clients are underinsured, creating serious issues when a claim arises — and in some cases, extending this insurance can make your firm liable for the shortfall.  
• Sourcing the right policy is time-consuming, involving multiple calls, comparisons, and quote requests.
• Ringing around insurance providers or trawling websites to source quotes and arranging cover can be time-consuming. 
• Cover and conditions vary widely between insurers, making it difficult to assess which policies your firm can realistically comply with.
• Managing a claim is equally demanding; preparing documentation, contacting insurers, and following up on updates all consume valuable time that could be spent on legal work.

But there is an easier way that can instantly streamline how you provide insurance and free up your team’s time.

Arranging unoccupied property insurance for an owner who is in care has never been simpler for Solicitors.

Here’s how solicitors use our secure online portal:

1. Log in to your portal

Each authorised member of your team receives their own secure login and password... You can view all the quotes and policies arranged by your team, download policy documents, and run reports whenever you need to.

2. Click ‘Get Quote’ and select the version of Unoccupied Care Pro that you wish to use

Enter a few basic property details — no long forms or unnecessary questions. The system is built specifically for solicitors who manage and insure empty property at arm’s length. There are no questions designed to catch you out.

3. Your Policy Options

• Unoccupied Care Pro Monthly:  An interest-free annual policy (ideal where funds aren't available or for shorter periods of cover) that you pay for monthly on receipt of your account statement.

  • When a policy needs to be cancelled, there are no fees, and you are only charged for the time on risk, provided no claims have been made.
  • Premiums are settled easily through your monthly account.

• Unoccupied Care Annual: A straightforward one-off annual payment. There are no cancellation fees, and, subject to no known claims, you’ll receive a pro-rata refund if cover ends early.  This option suits clients where you’re unsure how long the property will need to be insured.

4. Get instant cover

Once you’ve chosen the option that suits the estate, the quote and policy documents are generated immediately and emailed to you.  They’re also stored automatically in your client portal — search using the policy ID provided in your quote or policy email (not the policy number).

5. Optional walkthrough

If you’d like help with your first live case, your personal Insuristic contact can join you on a brief Microsoft Teams call — no sales pitch, just a practical Q&A session to ensure everything runs smoothly.

Most firms complete the entire process in approximately two minutes, often without requiring support.

To use Unoccupied Care Pro, there is no need to sign the terms of business; using the platform confirms you are happy with our terms.  Read our solicitor's terms of business for more information.

Signing up to Unoccupied Care Pro doesn't take long, and there is no need for demos and no complex onboarding as the system is so easy to use.

To sign-up for access (as an individual or team):

1. Click “Request Access”: Complete the short form with your contact details.

2. We’ll email you within one working day: requesting the names and email addresses of everyone in your team who needs access.

3. Unique logins for every user: Each team member receives:

   • Their own username and secure password

   • A welcome email with quick-start instructions

   • A personal introduction email from one of our team, providing contact details, should you or your team ever need support.

4. Get started instantly: Once set up, your team can quote and issue cover online in minutes — no training session required (unless you need it).

5. Need help on your first case?: You can book a short Microsoft Teams walkthrough with us at any time — it’s optional, friendly, and focused on your first live case

Suppose a property has features that require referral to the underwriter, such as the rebuild value is higher than £750,000, it's in a poor state of repair, in a flood area or has non-standard features. In that case, you will have the full support of our FCA principals’ insurance broking team at SJL Insurance.

SJL Insurance will source quotations from several leading insurance providers on your behalf, provide advice, and recommend which policy to choose to ensure you and your clients have appropriate insurance cover. This will save your team a lot of time.

If there is a claim, you can relax.

You will have full access to our dedicated claims team at SJL Insurance.  Your claims account managers will provide advice, help you prepare the claim, arrange any loss adjuster surveys and negotiate a fair settlement with insurers.

Check out our property claims page for more information.