Commercial Property Insurance Guide

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What Is Commercial Property Insurance?

Commercial Property Insurance protects your physical business assets from damage or loss. Unlike residential policies, it covers properties occupied by businesses, with premiums varying based on tenant risk levels. For example, an office building typically costs less to insure than a factory with flammable materials. Always inform your insurer when tenants change, as this affects your coverage and premium.

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Coverage Options

These policies typically cover events like fire, storm, earthquake, impact, explosion, and malicious damage. Optional coverages include loss of rental income, glass breakage, machinery breakdown, debris removal, landlord's contents, fixtures and fittings, stock, tax audit, and liability protection.

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Property Owners Public Liability

This essential coverage protects you if someone is injured on your property due to issues related to your ownership (like faulty steps or falling tiles). Without this protection, you could be personally liable for significant damages.

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Important Exclusions

Commercial policies typically don't cover high-risk tenants not disclosed to insurers, buildings vacant for extended periods (60-90 days), employee claims, registered vehicle use, or asbestos-related claims. Many Australian policies only cover "listed events" - if an incident isn't specifically listed, it's not covered.

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How We Help

We specialise in protecting various commercial properties including industrial buildings, factories, warehouses, strata properties, retail spaces, and offices. Using multiple insurers allows us to tailor coverage to your specific needs and budget.

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Getting Started

Request a quote by submitting our online form, calling 02 6555 5022 or sending us an email on the below link. We'll provide options and information with no obligation, and all policies include a 14-day cooling-off period. We'll help you compare options from our approved insurers to find the right coverage at competitive rates.

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