Commercial Property Owners Insurance

Australia's Trusted Choice

Commercial property owners face risks ranging from property damage to liability claims and loss of rental income. Property owner insurance helps protect your investment and provides financial support if damage occurs.

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Who We Insure?

Whether you operate a single store or multiple locations, retail insurance can be tailored to your needs.

Commercial landlords

Property investors

Owners of retail, office, and industrial properties

Mixed-use commercial property owners

Common Property Owners

Property owners are exposed to a number of everyday risks. Even small incidents can result in significant costs.

Here are the top risks we help you manage.

Fire, storm, or impact damage

Vacant or partially occupied premises

Tenant-related property damage

Public liability claims

Employee-related claims

What insurance do you need?

Tailor your policy to include exactly what you need, without paying for what you don't.

Commercial Property Insurance

Protects your commercial premises and fixtures against insured events and physical damage.

Buildings and permanent fixtures
Fire, storm, impact, and vandalism

Public Liability

Covers injury or property damage occurring on the premises.

Slips and falls
Property damage
Legal defence and compensation costs

Essential

Loss of Rent Insurance

Helps replace lost rental income after an insured event makes the property untenantable.

Income during repair or rebuild period

Machinery Breakdown (Optional)

Covers sudden and accidental breakdown of insured machinery and equipment.

Repair or replacement costs
May include business interruption losses
Suitable for plant, equipment, and mechanical systems

Our Process
How We Help You

Reviewing property type and occupancy

Ensuring accurate building valuations

Compare policies from multiple insurers

Explain policy wording and exclusions in plain English

Assist with claims if an incident occurs

Our focus is on suitability, clarity, and long-term protection — not just price.

Protect your business today

Get a tailored quote for your business in less than 5 minutes.

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Frequently Asked Questions

Typically building insurance, public liability, and sometimes loss of rent cover.

Accidental damage is often covered, but malicious or tenant-related damage depends on policy wording.

No. Commercial properties require specialist commercial property policies, not residential landlord insurance.

Yes, if loss of rent or business interruption cover is included.

The landlord usually insures the building; tenants insure their contents and business activities.

Vacant properties often have restricted cover and must be disclosed to the insurer.

Yes. Property owners can be liable for injuries occurring on the premises, even if leased.

Storm, fire, and flood cover varies by policy and location and must be reviewed carefully.

Claims may be reduced under average clauses, resulting in significant out-of-pocket costs.

Only for strata-titled buildings. Standalone properties require separate cover.

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

What insurance do commercial property owners need?

Does building insurance cover tenant damage?

Is landlord insurance the same as commercial property insurance?

Does insurance cover loss of rent?

Who is responsible for insurance — landlord or tenant?

Are vacant properties covered?

Is public liability insurance necessary for property owners?

Does insurance cover natural disasters?

What happens if the building is underinsured?

Can strata insurance replace property insurance?