Short term renovation insurance is used when a space is under renovation and is not otherwise open and operated.

These policies can cover both general liability and property. They are much more restricted and have more exclusions than the typical policy covering an existing store. For example, it is very common for these policies to exclude theft coverage. Co-insurance usually applies as well.

Liability limits per occurrence are $1,000,000 but may be increased with the use of an Umbrella. Typically you can choose between a variety of short terms depending on your situation.