Commercial insurance, explained in plain English
Most insurance writing is built to be defensible, not understandable. These guides are the opposite. Each one answers a question a building owner has actually asked us, in the words they asked it, with the traps named rather than glossed over. Whatever brought you here: a renewal shock, a clause that will not parse, a claim going sideways. Start with the question that sounds like yours.
28 guides, 81,000+ words, written by the brokers you would actually speak to. No product pitch, no jargon.
Getting your building number right
The sum insured is the one number that decides whether a claim leaves you whole. Start here.
- Why Did My Commercial Insurance Go Up?
Renewal up 15 or 20 per cent with no phone call? Consolidated Insurance Brokers explains what really moved your commercial premium and what to do now.
- Underinsurance: The Biggest Risk to Commercial Building Owners
Is your commercial building insured for less than it costs to rebuild? Consolidated Insurance Brokers explains underinsurance and how to fix it.
- The Co-Insurance Clause: What Every Building Owner Must Know
A co-insurance (average) clause can shrink a partial claim payout. Consolidated Insurance Brokers explains how it works and what a desktop valuation does.
- Why We Sometimes Recommend a Higher Excess
A higher excess can be the smartest money in a commercial property policy. Consolidated Insurance Brokers explains the excess for cover trade.
- How to Calculate Your Building Sum Insured
How to calculate your commercial building sum insured: what a real rebuild cost includes, and what people get wrong. Consolidated Insurance Brokers explains.
- Construction Cost Increases in Australia: What They Mean for Your Building Insurance
Building materials cost 30% more than three years ago (ICA). Consolidated Insurance Brokers explains what that means for your building's sum insured.
- What Commercial Building Insurance Actually Costs (and What Moves the Number)
No fake price tables. Consolidated Insurance Brokers explains what really moves your commercial building insurance premium, with real regional figures.
- What Commercial Property Insurance Actually Costs (and Why Yours Might Be Wrong)
No fake price tables. Consolidated Insurance Brokers explains what really moves a commercial property premium, and how to test whether yours is right.
- Fire Insurance for a Commercial Building: What Covers Fire, and What Doesn't
Fire is the peril commercial building insurance was built around. Consolidated Insurance Brokers explains what it covers, and the gap that decides the payout.
If you own a building someone else uses
Landlords, lot owners and anyone whose income depends on a tenant staying open.
- Commercial Landlord Insurance: The Complete Guide (from a Brisbane Broker)
Bought a commercial building with a tenant, in Brisbane or elsewhere? Consolidated Insurance Brokers explains exactly what a landlord needs to insure.
- Business Interruption Insurance, Explained Properly
Business interruption insurance pays profit, not revenue. Consolidated Insurance Brokers explains the gross profit trap and the two-clock indemnity period.
- The Clause That Can Switch Off Business Interruption Underinsurance
Some business pack wordings delete the business interruption underinsurance clause entirely. Consolidated Insurance Brokers explains the conditions.
- How Property Owners Get Sued for Injuries on Their Commercial Building
Consolidated Insurance Brokers explains how a commercial property owner is drawn into an injury claim, and what an owner's duty covers versus a tenant's.
- How Your Roof Condition Affects Insurance Claims
Storm damage is covered; a worn-out roof is not. Consolidated Insurance Brokers explains how roof condition decides your commercial insurance claim.
Liability and the traps in the fine print
Where owners and employers find out too late what their policy did not include.
- Public Liability and Professional Indemnity Insurance: Do You Need Both?
Public liability covers injury and damage. Professional indemnity covers money lost from advice. Consolidated Insurance Brokers explains who needs both.
- If a Subcontractor Is Hurt on Your Job, Can You Be Held Liable?
If a subcontractor is hurt on your job, can you be held liable? Consolidated Insurance Brokers explains which cover responds and the trap to avoid.
- The Seasonal Stock Clause: The Extra Cover You Already Have
Your stock cover may already lift 50% in your busy season. Consolidated Insurance Brokers explains the seasonal stock clause and where it stops helping.
- Why Theft Is a Separate Section on Your Business Insurance
Theft sits in its own section of a business pack, with its own trigger and limits. Consolidated Insurance Brokers explains why, and what it means for you.
- How Much Does Public Liability Insurance Cost in Australia?
Why no article can quote your public liability premium, and the seven things that actually decide it. Consolidated Insurance Brokers explains.
- Why You Cannot Buy General Liability Insurance Online
There is a liability insurance market you cannot reach online, and most owners never hear of it. Consolidated Insurance Brokers explains how it works.
- How Much Does Cyber Insurance Cost in Australia?
Real indicative cyber insurance premiums from our own placements, what moves the number, and the sub-limit traps. Consolidated Insurance Brokers explains.
Tax, structures and SMSFs
Written with your accountant in mind. These are the questions to take to your own licensed adviser.
- Is Commercial Property Insurance Tax Deductible?
Is commercial property insurance tax deductible? Consolidated Insurance Brokers explains what is claimable, what is not, and when to ask your accountant.
- Insuring a Commercial Property Held in Your SMSF: What a Trustee Actually Has to Get Right
Holding commercial property in your SMSF? Consolidated Insurance Brokers explains what a trustee has to get right, and whose name belongs on the policy.
Choosing who to buy from
What a broker actually does, and what the badges on an insurer really mean.
- Direct Insurer vs Insurance Broker: What's the Difference?
Direct insurer or insurance broker? Consolidated Insurance Brokers explains who chooses your cover, who checks it fits, and who acts for you at claim time.
- A note from our co-founder: how home insurance really works
Listed events or accidental damage? Consolidated Insurance Brokers explains the one difference that decides most home insurance claims.
- A note from our co-founder: what an "award-winning" insurer actually means
What does an "award-winning" insurer badge actually measure? Consolidated Insurance Brokers explains what the ratings cover, and what they miss.
Reference
Look up a term the moment you meet it in a policy, schedule or renewal letter.
- Commercial Insurance Terms in Plain English
What does 'co-insurance clause' or 'indemnity period' mean? Consolidated Insurance Brokers explains 54 commercial insurance terms in plain English.
- Insurance Premium Funding, Explained: How Monthly Instalments Work (and What They Cost)
Premium funding turns one annual premium into monthly instalments. Consolidated Insurance Brokers explains how it works and the one risk to understand first.
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A guide can only take you so far
Every one of these pages is general information. Your building, your lease and your policy wording are specific, and the answer that matters is the one about yours. That part is a conversation, and it costs you nothing to have it.
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The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for your circumstances. Where the information relates to a particular insurance product, consider the relevant Product Disclosure Statement before making a decision.