Commercial Property Insurance

Commerical Property Insurance is for the building, plant, and contents that keep your business running. We arrange commercial property insurance that responds to loss or damage from fire, storm, and other insured events — scaled to what you own and operate.

Commercial Property Insurance Covers the Physical Assets your Business Depends On

This includes the buildings, fixtures, plant, and contents. Commercial Property Insurance protects against loss or damage from events like fire, storm, water damage, theft, and impact.

It can also extend to cover loss of rent if an insured event makes a property unusable, and the cost of temporary premises while you get back up and running.

Most policies are structured around the building's replacement value, the value of contents and stock, and any specific risks tied to how the property is used. We help you settle on the right basis of cover so a claim isn't compromised by being under-insured.

Which Sectors Often Need Commercial Property Insurance

These are the sectors where Commercial Property Insurance is typically a core requirement — not in the list? Get in touch and we'll talk through what you need for your business.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Mining & Resources

• Energy & Utilities

• Manufacturing

• Transport & Logistics

• Seafood & Aquaculture

• Distilleries & Wineries

• Property & Real Estate

• Community & Social Services

• Food & Beverage

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What You'll Need for a Commercial Property Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Address & Construction

The street address of each property that you need insured, and its construction (e.g. brick, steel-frame, tilt panel). Plus, the year it was it built and the details of any renovations or upgrades that have been undertaken since it was built.

Fire & Security

The details of the existing fire protections, security and alarms systems that are in place and working at each address.

Replacement Values

The replacement value if the building had to be rebuilt, and the replacement value, or how much you want to be insured for the loss of contents, plant, and stock.

Claims History

The details of any claims made in the past 5 years.

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How Commercial Property Insurance Differs From Related Products

Commercial Property vs. Industrial Special Risk (ISR)

ISR is a broader, more heavily negotiated form typically used for larger or higher-value industrial sites, bundling property damage and business interruption into one policy with wider perils. Commercial Property suits most standard premises; we'll advise if your site profile points to ISR instead.

Commercial Property vs. Stock & Spoilage

Commercial Property responds to damage to the building and fixed contents. Stock & Spoilage responds specifically to loss of stock or produce from spoilage, contamination, or temperature failure — a narrower, product-focused risk that sits alongside, not instead of, Commercial Property.

Commercial Property vs. Business Interruption

Commercial Property covers the physical asset. Business Interruption covers the loss of income and ongoing costs that follow when an insured property event stops you trading. Most businesses carrying Commercial Property should also consider Business Interruption.

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