- Owning a business comes with a range of pressures, none of which compare to the financial strains that are brought on as a result
Commercial Property Insurance
If you have commercial properties rented to business tenants, commercial property insurance protects your investments for many everyday risks.
What is Commercial Property Insurance?
Commercial Property Insurance covers owners of commercial properties who lease to tenants across many various industries. It includes building cover, loss of rent if the premises are damaged, machinery breakdown and your public liability as a landlord.
Even if your property is part of a strata complex, it is very important you have your own insurance as the property owner for the many risks which are not covered by the body corporate’s building policy.
Having commercial property insurance in place will also help mitigate losses from damage or accidents caused by your tenants or their customers.

What can be covered
- Accidental, malicious damage and perils (eg. fire)
- Loss of rent
- Damaged glass or signage
- Injury to third parties
- Landlord legal liability
- Machinery breakdown
- Tax audit
What may not be
- Flood, unless requested
- Tenant default
- Deterioration (wear & tear)
- Neglect, lack of maintenance
- Properties vacant for continuous periods (varies by insurer)

How can we help?
With access to a range of reputable insurers, and policies not available to the public, we can offer you a range of competitive commercial property insurance quotes.
We’ll help you compare the price with the coverage offered for each, so you can make the best decision for your needs.
Commercial property has many variables, such as zoning and tenants’ industries, so it’s key to have an experienced adviser.
Commercial Property 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.

Our Specialty
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.
Great advice
As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.
Your partner
We manage your insurances so you don't have to — save precious time and effort.
clear terms
Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.
full cover
With a broker, you get more comprehensive cover and benefits not available if buying directly.
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
What our Customers Say
109 James Street, New Farm
5.0 278 reviews
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Michael Martyn ★★★★★ 2 weeks ago
I was feeling quite overwhelmed with insuring my new commercial property. But after speaking with Tracey for a few minutes on the phone I knew I was in good hands. Tracey was very knowledgeable and had my policy setup within … More a couple of days. She really took the stress out of the whole process. Thank you! -
Vikki Burnett ★★★★★ 2 weeks ago
I worked with Tracey Eaton from consolidated insurance, Tracey was effective, efficient and friendly. I highly recommend the services. I was very pleased with the offers presented. Easy, quick and a smooth transaction.Tracey … More made me feel confident in my choices. -
Wilson Bricklaying ★★★★★ 3 weeks ago
Highly recommend CIB! Tracey was a pleasure to deal with! Chased me up and gave me her time to go through what option would suit us best. Tracey has a whole heap of our other insurances heading her way to give our business … More a bit of a 'health/wealth check'. Thank you Tracey for making this experience an enjoyable one -
Laura ★★★★★ 3 weeks ago
Tracey was fantastic to deal with. She answered every question I had and gave me sound advice. Would highly recommend them! -
Dave Robey ★★★★★ a month ago
These guys take the pain out of arranging insurance. Natasha is especially excellent, nothing is too difficult or daunting for her. Organising Hotel business insurance is a minefield these days and you don't want to … More be making expensive mistakes. Trust Consolidated for all your business insurance needs. You're in good hands.
Learn more about Commercial Property Insurance
- Insurance can be a very confusing and complex subject. The “jargon” often used by companies will probably leave you with more questions than answers
- There are many ways that you can buy protection in the form of insurance. We often hear things like: “Why use an insurance broker?”
Get in touch
Talk today with our team to find the right kind of insurance that will suit your needs.
Or Call our friendly team today on:
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