Commercial Building Insurance
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
Commercial Building Insurance
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What Is Commercial Building Insurance?
Commercial building insurance provides coverage for owners of commercial buildings who lease to tenants across different industries. Even if the property is part of a strata complex, it is recommended to have your own insurance, as many risks are not covered by the body corporate’s building policy.
Commercial building insurance specifically covers the physical structure of your commercial building. It allows owners to be covered for losses caused by events such as fire and malicious damage as well as other types of damage to the building’s structure. For example, damage or accidents which were caused by your tenants or their customers
Choosing the right policy can be complex, but when it’s done right, it can potentially save your investment. A commercial building insurance policy can offer cover for a variety of things, from building cover and contents cover to business interruption cover and landlord liability cover.

What can be covered
- Accidental, malicious damage and perils (eg. fire)
- Loss of rent
- Injury to third parties
- Damaged glass or signage
- Landlord legal liability
- Machinery breakdown
- Tax audit
What may not be
- Floor, unless requested
- Tenant default
- Deterioration (wear & tear)
- Neglect, lack of maintenance
- Properties vacant for continuous periods (varies by insurer)
Get Started with Commercial Building Insurance
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Why Insure Your Building?
Some policy features can include the following :
Building Cover:
If damage occurs to your physical building or the building structure, building cover can provide you with the cover you need. It can even include cover for fixtures which are attached to your building, such as air conditioning and elevators. Whereas the content of your building, such as your furniture and equipment can be covered by contents cover. However, if you are leasing your building unfurnished, you may require your tenants to get their own contents covered.
Landlord Liability Cover:
Business interruption cover protects you against the loss of income when your building is damaged by an insured event. However, this does not apply to ‘tenant default’, which is when your tenant falls behind on their rent. The same is the case for damage caused by an event which isn’t covered, for example a flood if you do not have flood insurance.
Building Interruption Cover:
Furthermore, it is always important to be covered in the event of an accident that results in a personal injury or damage to third-party property in your building. This cover can be provided by landlord liability cover, saving you costly legal fees even in the simple case of someone slipping whilst in your building.
Commercial Building Insurance claim example
James owns commercial properties, and mentions to his broker that he’s just bought a new tenanted industrial unit — but “not to worry it’s covered by the body corporate insurance.”
His broker insists that he should take out at least some cover for fittings, loss of rent and public liability. James accepts.Shortly after, he’s served with a notice for injury to one of his tenant’s customers who slipped on a spill in the common area. The injured customer sued, serving on James, his tenant and the body corporate alleging they were all responsible for the injury.
James’ insurer indemnifies him and settles on the claim with the other 2 insurers, each paying out $30,000 to the claimant. By having this policy, James avoided paying out his own legal costs to defend himself, and his only expense was a $500 excess.

Why Choose CIB?
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
Our Expertise
Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available
Your Partner
Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.
Clear Terms
We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.
Full Cover
We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.
What our clients have to say
109 James St, New Farm
5.0 864 reviews
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claire zheng ★★★★★ 2 weeks ago
I just wanted to drop a note to tell how great Gina De Bonis has been in handling my insurance needs.Throughout the process of acquiring business and residential insurance, Gina exhibited a remarkable level of professionalism, … More friendliness and knowledge.She took the time to patiently explain various insurance terms and coverage options, ensuring that I fully comprehended the details.It is so nice to actually have an agent here that responds when you try to contact her.Very pleased with her service.Thank you, Gina. -
Rita Graziani ★★★★★ 3 weeks ago
We’ve had an outstanding experience with Clayton at Consolidated Insurance Brokers. His service is highly professional, attentive, and tailored perfectly to our individual and complex needs. Clayton went above and beyond … More to ensure everything was clearly explained and managed smoothly, making the whole process feel effortless. He is extremely responsive — always quick to reply and assist with any questions or changes, no matter how detailed. It's rare to find such a high level of efficiency combined with genuine care. We’re very happy with the service and would absolutely recommend Clayton and the team to anyone seeking reliable, expert insurance support. -
Alan Johns ★★★★★ a month ago
Aimee made gaining a competitive insurance quote for our property a breeze. She communicated promptly and clearly, going out of her way to make sure the details were correct and I was happy with the product quoted. I wouldn’t … More hesitate to recommend her to anyone and she will be my first contact when looking for insurance needs in the future. -
Eryk D ★★★★★ a month ago
Tracey Eaton was absolutely fantastic to work with! She found us a great deal on our insurance and made the whole process so easy. Highly recommend her . She is professional, helpful, and genuinely caring. -
Srikanth Selladurai ★★★★★ a month ago
I recently worked with Consolidated Insurance Brokers for a property insurance matter, and I was thoroughly impressed. Alison Neve handled my inquiry and was absolutely fantastic to deal with. She sourced six quotes within … More a day and managed to match one of them to my current insurer’s price—while offering even better benefits.What really stood out was Alison’s dedication. Despite heading off on leave the next day, she stayed back late to get everything sorted. Even after her leave, she followed up to make sure everything was in place.I truly appreciate this level of service and commitment. It's not easy to find such a hardworking and responsive team. I highly recommend Consolidated Insurance Brokers and look forward to working with them again.Thank you, Alison!

Why Use A Commercial Building Insurance Broker
Insurance brokers help you negotiate the best insurance policy for the best price. They are professionals that ensure your insurance policy meets your unique insurance requirements and risk management needs. Ensuring you understand your renewals, quotes and policies without confusing you with endless jargon. Our Insurance brokers are able offer competitive quotes from reputable insurers, that aren’t available to the public.
Save time and money by getting one of our knowledgeable insurance brokers to compare and customise policies for the best price possible
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
No Obligations, Completely Free
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