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Commercial Property Insurance for Property Owners

Commercial property insurance helps protect owners of commercial buildings against physical loss or damage to their property. It is designed for offices, retail premises, warehouses, industrial buildings, and other non-residential properties.

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What is Commercial Property Insurance?

Commercial property insurance covers physical loss or damage to commercial buildings caused by insured events such as fire, storm, impact, or vandalism.

It is designed for property owners who lease or occupy commercial premises and need protection for the building itself, not the tenant’s contents or business activities.

Without appropriate cover, repair or rebuilding costs can be substantial.

Loss of Rent Explained

Protects rental income if your property becomes untenantable due to an insured event.

Provides income replacement during the repair or rebuilding period.

Cover applies for the selected indemnity period, subject to policy terms and conditions.

What Does Commercial Property Insurance Cover

Comprehensive protection for the most common risks professionals face in their daily operations.

Buildings & Permanent Fixtures

Covers commercial buildings and fixed structures owned or leased by your business.

Fire, Storm & Impact Damage

Covers structural damage caused by insured events such as fire, storm, or impact.

Malicious Damage & Vandalism

Provides protection against intentional damage or vandalism to insured property.

Glass & Shopfront Damage

Covers accidental breakage of glass, windows, and shopfronts.

Loss of Rent

Covers loss of rental income following an insured event that renders the property untenantable.

Demolition & Debris Removal

Covers the cost of demolition and debris removal after insured damage.

What is generally not covered?

Like all insurance policies, Commercial Property Insurance has exclusions. It's important to understand what falls outside the policy.

Wear and tear or gradual deterioration
Faulty workmanship or poor maintenance
Tenant contents and stock

Vacant or unoccupied premises (unless disclosed)
Flood or specific natural hazards (unless added)

Who Needs Commercial Property Insurance?

Commercial property insurance is relevant for:

Commercial property owners and landlords

Investors with retail, office, or industrial buildings

Owners of strata-titled commercial properties

Businesses that own their operating premises

How Much Cover Do You Need?

The amount of commercial property insurance you need should reflect the full rebuilding cost of the property, taking into account the construction type and materials, local building and labour costs, as well as professional fees and demolition expenses; accurate valuations are essential, as underinsurance can result in reduced claim payments.

$1 Million

Standard Entry Level

Suitable for small commercial premises or strata units.

Insurance Solutions You Can trust

We bridge the gap between complex risk and simple protection. Your business deserves an advocate, not just a policy.

We Work for You

We act solely in your best interest, providing independent advice and advocating for fair outcomes when it matters most.

SME Specialists

Small businesses are our focus. We understand your growth stages and tailor insurance solutions that truly fit.

Expert Claims Support

You’re not alone. Our team provides hands-on guidance to navigate the process and achieve the best possible outcome.

Simple & Efficient

No jargon, no hidden surprises. We make insurance easy to understand and efficient, saving you time.

10K+

People Insured

12+

Years Experience

Trusted Partners

98%

Satisfaction Rating

Frequently Asked Questions

It is not legally compulsory, but it is often required by lenders or lease agreements.

Vacant properties usually require disclosure and may have restricted cover.

Loss of rent is often optional and must be selected separately.

Important Information GS Insurance Service Pty Ltd ABN 48689471663 | ASIC Authorised Representative No: 1316709 is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.  

The information on this website does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. ‍ 

We subscribe to and are bound by the Insurance Brokers Code of Practice, a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au

Insurance Solutions You Can trust

Is commercial property insurance compulsory?

Does it cover vacant properties?

Is loss of rent automatically included?