BUSINESS & PROPERTY
Commercial Property Insurance
Protection for the buildings, contents, stock, machinery and equipment your business depends on.
OVERVIEW
Property risk starts with the location
Commercial Property Insurance can protect buildings, contents, stock, plant, machinery, tenant improvements and electronic equipment, depending on the policy structure and selected cover.
Australian property underwriting is strongly influenced by location. Construction, occupancy, neighbouring risks, fire protection, security and previous losses matter, while catastrophe exposures such as bushfire, cyclone, flood, storm and hail can materially affect the underwriting approach.
WHAT MATTERS
Replacement values, construction and catastrophe exposure
Insurers commonly ask for sums insured, building construction, age, occupancy, protections, stock values, machinery details, tenancy arrangements, geographic location and claims history.
Commercial Property and Business Interruption should usually be considered together. Replacing damaged property is only part of the problem if the business cannot continue trading while repairs are completed.
Understand more. Or begin.
Read the Australian Commercial Property guide, or begin your proposal with the details of your premises and assets.
Australian insurance context
For Australian organisations, Commercial Property Insurance should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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