Get my quote
Commercial property, properly covered

Commercial property insurance forproperty owners.

Building, loss of rent, business interruption and liability. Insurance made easy.

Get my quoteWhat's covered
Licensed Australian broker60-second submissionOwners and occupiers

Quick Quote

60 seconds

What kind of property?

Pick the closest match to get started.

No obligation. Subject to eligibility and underwriting.

  • 5.0on Google
  • 20+Australian insurer panel
  • 19,000+Australians helped
Why Commercial Property Cover

We discuss what's important to you, and answer the phone when it matters.

0+
Insurer panel
0s
Quote submission
0,000+
Australians helped
0.0
Google rating
Who we cover

Whatever the asset, we can help cover it.

A single strata suite through to a multi-tenanted industrial estate, held by an individual, a company, a trust or an SMSF.

OfficeRetail / ShopShopping CentreWarehouseFactoryShowroomStrata / Body CorporateMixed UseMedical / ConsultingChildcare / EducationSelf StorageService Station
What can be included

One policy, built section by section.

A commercial property policy is a set of sections, and the ones you need depend on which side of the lease you sit. Owners lead with building and loss of rent; occupiers lead with stock, fit-out and business interruption. We build the programme around your interest in the property, then compare it across a panel of insurers.

Building & Structure

The building itself against insured events like fire, storm, impact and malicious damage, along with the walls, car park, signage and permanent fixtures that come with it.

Get a quote

Contents, Stock & Fit-out

Plant, machinery, stock and the fit-out you paid for. A tenant's fit-out is usually the tenant's to insure, which is one of the most common gaps we find.

Get a quote

Loss of Rent

For landlords: the rental income that stops when an insured event leaves your property untenantable, while the mortgage and the rates keep running.

Get a quote

Business Interruption

For occupiers: the gross profit lost and the extra costs of trading on while your premises are repaired. Usually the largest exposure on the whole policy.

Get a quote

Property Owners Liability

Claims from third parties injured at your property or whose property you damage, plus the legal costs of defending them. The cover leases and lenders ask for.

Get a quote

Glass

Shopfronts, internal glass, mirrors and glass signage, including the boarding-up and re-lettering that follows a break.

Get a quote

Machinery Breakdown & Fusion

Lifts, HVAC, refrigeration and electric motors when they fail on their own. Standard property perils do not respond to a machine that simply breaks.

Get a quote

Theft, Burglary & Vandalism

Forced entry, theft of contents and stock, and the malicious damage or graffiti left behind. Vacant and part-tenanted buildings need this discussed carefully.

Get a quote

Not sure what you need?

Talk it through with our licensed team. We'll tell you which of these sections your property actually needs, and which you can leave out.

1300 080 323

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

Property types

Cover written for your asset.

See all property types
Offices

Cover for the building, its services and the rent it earns.

Warehouses

Cover for the shed, the stock inside it and the trade it houses.

Retail & Shops

Glass, stock, theft and the trade you lose when the doors shut.

Factories

Fire, machinery breakdown and the downtime that follows.

Strata

Building, common property and office bearers liability.

Shopping Centres

Common property, the rent roll and the public who use it.

Service Stations

Forecourt, tanks, shop stock and contamination exposure.

Landlords

The building, the rent it earns and your liability as owner.

How it works

Three steps. One enquiry.

You answer a few questions; we do the comparing, the paperwork and the chasing. That's the whole point.

01

Tell us about the property

The type, your interest in it, roughly what it's worth and where it is. About 60 seconds, no paperwork.

02

We compare

Our licensed team sizes the sums insured and indemnity periods, then compares options across a panel of insurers.

03

You're covered

We confirm the details and arrange the cover, with your certificate of currency issued during business hours.

Reviews

Why our clients love us.

Rated 5.0 on Google· 250+ reviews

Reviews are for Stonewell Insurance, the business behind Commercial Property Cover.

We have a commercial property with 5 retail shops and a childcare centre in Southport. Lachlan was really efficient at getting us the right quotes and so easy to deal with. It was all wrapped up quickly and we saved decent money moving from our previous policy.
John Tsoukalas
Commercial property owner
Google review
I recently had the pleasure of working with George Grewcock on multiple properties. He was attentive, sharp, knowledgeable and lovely to deal with. I frequently contact him for general information and he always shows up the same. Thank you team.
Gullu Yalcin
Multiple properties
Google review
We've purchased multiple building insurances from Stonewell and the service has been great. Shoutout to George as well, he has been a gun at getting everything we need.
Jason Chua
Building insurance
Google review
Sam provided me with instant clarification around business insurance and making sure the policy provided aligned with us. Simple, quick and an easy process. Highly recommend.
Tom Siganto
Clear on the cover
Google review
I've only spoken to Darren over the phone but I couldn't recommend his service highly enough. Extremely quick and efficient. I was very impressed with the speed at which he got our commercial insurance locked in. I'll be using him again.
Tahnee Hewish
Fast to bind
Google review
Awesomely assisted by Emily today. What a find for commercial insurance needs!
Ruth Morrison
Commercial insurance
Google review
FAQ

Common questions.

Can't see your question? Send us the lease or the schedule and we'll tell you what it actually covers.

Speak with our team on 1300 080 323.

What is commercial property insurance?
It covers a commercial building and what's inside it against insured events like fire, storm, impact, theft and malicious damage, along with the financial loss that follows. For an owner that means the building and the rent it earns; for an occupier it means contents, stock, fit-out and business interruption. Most commercial policies bundle property owners or public liability alongside it.
Who insures the building, the landlord or the tenant?
In a standard Australian commercial lease the landlord insures the building and usually recovers the premium from the tenant as an outgoing, while the tenant insures their own stock, contents, fit-out, glass and business interruption. Leases vary, so the split is worth checking clause by clause. Send us the lease and we'll tell you which side of it you're insuring.
How much should I insure my commercial property for?
For the building it should be the cost to rebuild it today, including demolition, debris removal, professional fees and compliance with current building codes, not the market value or what you paid. Under-insuring can trigger a co-insurance or average clause that reduces a claim payment. We can arrange a valuation if the figure is a guess.
Does commercial property insurance cover loss of rent?
It can, and for a landlord it's one of the most important sections. If an insured event makes the property untenantable, loss of rent cover responds to the rental income you stop receiving during the indemnity period while repairs are carried out. Getting that indemnity period right, usually 12 to 24 months, matters more than most owners expect.
Is flood and storm damage covered?
Storm is generally an insured event. Flood is usually an option that depends on the property's flood rating, and in some locations it drives the premium more than anything else. Tell us where the property is and we go to the insurers who will actually write that address.
Do I still need insurance if my property is in a strata scheme?
Yes, though a smaller policy. The body corporate insures the building and common property through the strata policy funded by your levies, but that policy does not cover your lot's fit-out, your contents, your loss of rent or your own liability as a lot owner. Those sit with you.
Can I insure a vacant or partly tenanted commercial property?
Often yes, but it has to be disclosed. Vacancy materially changes the risk of theft, vandalism, water damage and arson, and most policies restrict cover once a building has been unoccupied beyond a set period. Tell us it's vacant and we'll place it properly rather than have a claim declined later.
How much does commercial property insurance cost?
There's no single price. Premiums depend on the construction and age of the building, its location and flood or bushfire rating, the trades operating in it, the sum insured, your claims history and the sections you take. That's why we compare options across a panel of insurers for your property rather than quoting one product.
Are you an insurer?
Commercial Property Cover is a brand of Stonewell Insurance, a licensed Australian insurance broker. That means we work for you, not one insurer. We compare cover across a panel of insurers, explain the sections in plain English, and advocate for you at claim time.
Get in touch

Sort your property cover today.

Sixty seconds of your time, then our licensed team takes it from there.

Get my quote 1300 080 323