AUSTRALIAN INSURANCE GUIDE
Commercial Property Insurance Guide
A guide to buildings, contents, stock, plant, machinery and other business property.
QUICK ANSWER
What information helps explain a commercial property risk?
Useful property information can include the address, construction, occupancy, sums insured, stock and machinery values, fire and security protections, tenancy arrangements, natural-hazard exposure, maintenance and previous losses.
OVERVIEW
Property underwriting starts with location and construction
Prepare sums insured, construction details, occupancy, protections, stock and machinery values, tenancy arrangements and claims history. Australian catastrophe exposures such as bushfire, cyclone, flood, storm and hail can materially affect underwriting.
Consider Business Interruption alongside the physical property risk.
Australian insurance context
For Australian businesses, Commercial Property Insurance Guide 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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Published by DIBNI · Last reviewed 30 August 2026 · Editorial standards · Commercial insurance proposal guide