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From small retail shops to large warehouses, every business faces risks that could cause serious financial loss. A fire, a severe storm, or even a burglary could leave you struggling to recover. Commercial Property Insurance ensures you can repair or rebuild your investment property without suffering a severe financial loss.
Commercial Property Insurance protects your business assets from various risks. Here are some common cover types included:
While the specifics of coverage can vary between insurers, Commercial Property Insurance is primarily designed to protect business owners from financial losses related to their physical assets. This type of insurance generally covers damage to buildings, contents, and other property from perils such as fire, theft, and natural disasters. It typically includes compensation for repair or replacement costs and may extend to cover loss of income due to business interruption. For example, if a fire damages your business premises, Commercial Property Insurance could cover the costs of repairs and may also compensate for the loss of income while the property is being restored. Coverage may also include additional protections depending on the specifics of your policy and the insurer.
Fire, storm, and impact damage (e.g., vehicles or trees)
Theft and vandalism
Equipment breakdown (optional, depending on policy)
Business interruption due to insured events
Water damage from burst pipes or leaks
Repair or replacement of insured assets like stock, furniture, and equipment
Damage due to wear and tear or poor maintenance
Intentional damage by the business owner or employees
Flood damage (unless specifically included in the policy)
Losses from cyberattacks (requires Cyber Risk Insurance)
Losses due to war, nuclear hazards, or government seizures
Business interruptions due to non-covered events (e.g., power outages not caused by an insured peril)
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For a complete list of terms, conditions and exclusions please refer to the relevant Product Disclosure Statement (PDS) or get in touch with one of our advisors.
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Your account manager is your personal insurance expert, able to answer questions and provide tailored advice. Having a single point of contact means you'll receive consistent and high quality service.
A loss or claim being made against you can be a stressful experience. That's why we help guide our clients through every step of the Insurance claims process, relieving as much stress as we can along the way.
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Commercial Property Insurance protects businesses from financial loss due to damage or destruction of physical assets, such as buildings, equipment, stock, and office contents.
Retail stores, offices, warehouses, factories, hotels, restaurants, medical clinics, and more should have Commercial Property Insurance to protect their assets.
Most policies cover fires, storms, and hail damage, but flood and earthquake coverage may need to be added as an optional extra.
Wear and tear or poor maintenance,Intentional damage,Flood damage unless specified in the policy,Losses from war or government seizures
Covers lost revenue, temporary relocation costs, and ongoing expenses if your business is shut down due to an insured event.
Yes, including damage to doors, windows, security systems, and stolen assets like cash, computers, and stock.
Factors include business size, location, industry type, security measures, and claims history.
Contact Aussurity today to compare policies from multiple insurers and find the best coverage for your business.