Commercial Property Insurance
Protection for your premises, contents and stock
Your building, equipment and inventory are vulnerable to damage — and the cost of repairs, replacement and downtime can be significant. We help you assess and reduce your property risks.
Why purchase commercial property cover?
If your business owns or leases a physical space, commercial property insurance is the safety net that keeps you afloat after property damage or related losses.
Cover for your property
Reduces the cost of replacing damaged or lost property and equipment.
Property-specific cover
Policies can be tailored to your particular premises, on top of general cover.
Keep trading
Our claims team responds quickly to get you the financial support to keep operating.
What do most policies cover?
Most policies cover a range of events. Here's a typical list — and just as importantly, what's usually excluded.
Events typically covered
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- On-premise property loss or damage
- Accidental property damage
- Loss or damage to your contents
- Water-related damage (e.g. burst pipes, leaks, damaged water mains)
- Loss from theft, attempted theft, vandalism, assault, burglary or armed hold-up
- Signage damage (including glass)
- Goods damaged in transit
- Machinery malfunction (including technology, heavy-duty equipment and boilers)
- Civil unrest, riots or labour disturbances
- Impact from tree limbs, vehicles, watercraft or compromised adjacent buildings
- Fire, earthquake, explosions, lightning
- Wind, water, rain, snow, sleet and hail
Common exclusions
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- Stock
- Jewellery
- Artwork
- Money
- Watercraft or aircraft
- Vehicles or trailers licensed for public roads
- Livestock
- Bridges and railway tracks
- Flood (often optional)
- Acts of terrorism
- Looting, invasion, war or rebellion
- Intentional damage
- Storm surges
- Employee fraud
- Accounting or operational errors
- Insect and rodent damage (including termites)
- Gradual wear and tear
Stock is often insured separately or as an add-on — check with us so you know exactly what your policy covers before you need it.
Cost of cover
Weigh the premium against your budget, and compare options to find cover that fits your situation.
Range of cover
Make sure the sum insured matches what it would actually cost to rebuild or replace. Review the policy with us and we'll confirm the right level of cover.
Related cover
Already insured with us? Lodge a claim →
Find the commercial property cover you need
Our brokers have helped clients like you secure the right cover, and we understand the documentation required. Let's walk through it together, one step at a time.
General advice only. Consider the relevant PDS & TMD before acquiring any product.