Property · Insurance Term
Vandalism and Malicious Mischief (VMM)
Definition
Vandalism and malicious mischief (VMM) is deliberate damage to property by someone, such as graffiti, broken windows or slashed equipment. It is a covered cause of loss on most commercial property policies, but coverage usually stops if the building has been vacant more than 60 days.
In Plain English
VMM appears on basic, broad and special causes of loss forms, including the Causes of Loss – Basic Form. Damage like graffiti on walls or smashed fixtures is commonly covered, minus the deductible.
Theft is a separate cause of loss. Damage done during a break-in may be covered as vandalism even if theft is limited. Some policies exclude glass breakage or limit it.
Under the standard vacancy clause, vandalism is not covered after more than 60 consecutive days of vacancy.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: vandals break the windows and spray paint the walls of a closed office building. Repairs cost $20,000. If the building was occupied, the policy may pay $17,500 after a $2,500 deductible. If it had been vacant for 90 days, the standard condition would exclude it.
What to Watch For
- Track vacancy periods, especially for empty units.
- Report vandalism to police and keep the report.
- Check glass breakage and graffiti cleanup limits.
- Use lighting, cameras and fencing to reduce repeat incidents.
Last updated October 14, 2026 · Primesure editorial team · How We Write