Commercial insurance brokers for Adelaide
Adelaide commercial property runs from bluestone and red-brick frontages in the city out to large-format industrial at Wingfield, Regency Park and Edinburgh. One owner often holds both ends of that, and they are not the same building to insure.
A bluestone frontage in the city and a shed at Wingfield are not one insurance problem, though plenty of Adelaide owners hold both.
For owners, landlords and occupiers of commercial buildings, shopfronts, offices and industrial premises across Adelaide. Renting rather than owning? Business owners who rent is written for your side of the lease.
One account manager, however many buildings
Most of our clients are spread across Australia and have been since 2010, so an Adelaide address is unremarkable here. Our two offices are New Farm in Brisbane and Bundaberg.
Where an owner holds more than one property we put one account manager across the whole portfolio, rather than a different broker per building and a renewal call centre behind them. On an Adelaide portfolio that matters more than usual, because the buildings in it are so unalike that nobody handling one of them in isolation would ask the right questions about the other.
The reading, the market work and the renewal conversation all happen at a desk, which is where they would happen if we were on Grenfell Street.
Why can one rebuild rate not cover an Adelaide portfolio?
Quick answer
Because the two ends of Adelaide commercial stock cost completely different amounts to put back. Bluestone and red-brick frontages need stonework, matching material and trades who still do that work, while a large-format shed in the north is a straightforward job at scale. One rate per square metre applied across both will overstate one and understate the other, and the understated one is the problem.
Bluestone with red-brick dressings is the Adelaide building, and it is the one most often insured on a figure borrowed from somewhere else. Non-residential building construction costs across Australia rose 4.4% in the year to June 2026, and about 40% since 2018 (ABS Producer Price Indexes, construction, released 31/07/2026), and specialist trade work has not moved any more gently than the rest of it.
The industrial end has changed too. The north and the west were built for one kind of manufacturing and now do another, with defence, food processing and logistics taking up a good deal of what car making left behind. Different processes inside a shed change how it is rated, and a schedule written for the last occupier is not describing the current one.
So we commission a desktop valuation at no cost to you: a registered valuer's desktop assessment of what a building would cost to rebuild today, commissioned for our purposes as your broker, to inform the advice we give you. Each property gets its own figure rather than a share of one. On the commercial-building business pack policies we place we will not write cover below 60% of it.
The floor, and what sits underneath it
Sixty per cent is a floor rather than full protection, and it is worth being blunt about that. These wordings test the sum insured against at least 80 per cent of the building's value, as at August 2026, so cover at 60 per cent recovers roughly three-quarters of a partial loss.
The two failure modes are not the same shape. On a partial loss the average clause does the damage, cutting the payment in proportion to the shortfall. On a total loss nothing is cut at all: you are paid the full sum insured, and the shortfall arrives instead as the gap between that cheque and a builder's quote. On a stone frontage, that gap is exactly where the stonework was.
The way to avoid choosing between them is not to be short in the first place, which is why the figure behind each building is the first thing we look at on any Adelaide portfolio.
What Adelaide clients say
Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been. Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of. Being our first commercial property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance. To my amazement, Natasha also offered all these options in under an hour, which I found stunning! The lost art of PR and courtesy is alive and well here. Thank you SO much for being you ! Jay, Adelaide SA
Short answers
Do you have an Adelaide office?
No, there is no Adelaide office. Consolidated Insurance Brokers looks after Adelaide clients from our New Farm office in Brisbane, with one named account manager across every property you own rather than a different broker per building. What decides whether your buildings are properly valued is somebody sitting down with each schedule, and that is the same job wherever the desk is. You can see where our offices are on our locations page.
Our Adelaide building is bluestone. Does that make it more expensive to insure?
Bluestone usually rates well and reinstates expensively, and Consolidated Insurance Brokers treats those as two different things pulling in opposite directions. Solid masonry is generally a favourable fire risk, so the rating can be kind. Putting the same wall back with matching stone, and the trades who still work it, is where the money actually is. The premium is rarely the problem on a building like yours. The sum insured behind it usually is.
We own a shop in the city and a shed up north. Can they sit on one policy?
Usually yes, on one schedule with each property listed and described in its own right, which is simpler to run. Consolidated Insurance Brokers keeps one account manager across the lot, and each building still gets its own rebuild figure. That figure must never be shared, because a rate that suits a shed will not rebuild a stone frontage, and a rate that suits stone will have you paying too much on the shed.
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We work with commercial clients in every state, by phone and video. Call 07 3292 1111.
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