Commercial Property

If you own a commercial property, we can insure it against fire, storm, water or any other insured event. We understand the pros and cons of insuring property and understand the insurance needs for any property owner.

What is it good for?

Aside from the property itself, we advise and provide cover for lost rent, ensuring that correct cover is provided for the full reconstruction period and until your property is occupied again. We will offer cover for any machinery and plant (basement or car park pumps, lift and escalator motors, air conditioners etc).

Common area plate glass, signage or special glass where it is not otherwise insured under a lease agreement, can also be insured. Property owners public liability protects the landlord against any claim where they may be drawn in on a claim by any third party. Brick, concrete, timber or a mixed construction can be covered with many insurers.

My property is considered ‘high risk’ – what insurers can help with my building insurance?

Buildings containing asbestos, EPS or other sandwich panelling (PIR, PUR and Phenolic foams) within the construction can pose a problem.

Perhaps even the location itself such asd proximity to bushland or flood prone areas poses a higher than usual risk to insurers. Insurers will not accept ignorance as an excuse, so if you haven’t declared any hazardous factors, you may well be left in a serious financial dilemma if your policy doesn’t perform to expectation.

We are fully aware of the limits in which insurers can and will insure buildings constructed of problem materials such as EPS, PIR, PUR and Phenolic foams; or if the property location provides additional risk.

How do I get it?

We have a stable of insurers and underwriting agencies with the right capabilities to take on such risks and we will negate the necessary endorsements, exclusions, excesses and premiums to ensure the best outcome. With over 150 insurers we can source the right cover at the right price for your property.