Offices, shops, warehouses, factories and mixed-use buildings. We compare 10+ insurers and stay with you from quote to claim.
Trusted by 30,000+ clients Australia-wide
We aim to answer all calls within 3 seconds
Backed by our Price Promise
Building & contents, loss of rental income, public liability, plate glass and machinery breakdown
We understand building risks, tenant occupations and landlord obligations, and go to market across 10+ insurers so you can compare price and cover side by side.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with options that fit your property and tenants. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We insure commercial buildings every day, from a single shopfront to multi-tenancy office and industrial complexes.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and keep your cover up to date as tenants, fit-outs and building values change.
Notify a claim 24/7. Our team deals with the insurer for you, so you can get your property back on its feet.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from landlords, property owners and businesses we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“Jake was very helpful in obtaining a favourable quote for our commercial building insurance that was highly competitive. We had a considerable reduction in premium, a greater sum insured and a better policy all round. He was friendly and professional. Couldn't have asked for a better result.”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“We've been looking for affordable insurance for commercial building. We've contacted many insurance companies and brokers but couldn't get anything reasonable. We then got in touch with Kirby from Shielded Insurance. He got back to us extremely fast with the best offer and we couldn't be happier. Absolutely recommend Kirby from Shielded if you're looking for insurance.”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“Mitchell from Shield Insurance was tasked with securing building and landlord insurance. He was very efficient, professional and was able to get us a competitive quote.”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“I was lucky enough to deal with Mehdi at Shielded. The experience was smooth and fast. I will only be using Shielded from now on. I highly recommend their service. Mehdi was so knowledgeable and helped me get some quotes for a building that is difficult to insure. Nothing was too difficult and the comms were excellent. He is highly efficient. 10/10”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“Tahlia was very helpful in getting our building insurance covered as it was rented but now we are running a business and came back to us immediately with our questions and prices, she was good dealing with.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Kirby asked the right questions and got a good picture of what our building and business involved and he got a great result. With other brokers it was like talking to a brick wall and got quite stressful. It is a relief to know we have good insurance in place now.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Build the cover your property needs. Mix and match on one quote.
Protects the structure, fixtures, common areas, car parks and services against fire, storm, flood, impact and malicious or accidental damage.
Quote building coverCovers claims for injury or property damage in common areas and building surrounds.
Quote liabilityReplaces rental income if your property becomes unusable after an insured event.
Quote loss of incomeCovers failure of lifts, HVAC, fire systems and other building plant.
Quote machinery breakdownCovers replacement of glass shopfronts, windows, doors and display cases.
Quote glass coverCovers common area furnishings, HVAC, lifts, fire safety equipment and other landlord-owned items.
Quote contentsWe insure all types of commercial properties across Australia. Select a category to learn more.
Reviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know commercial property insurance.
Commercial property insurance covers a wide range of property types including office buildings, retail shops, warehouses, factories, shopping centres, hotels, motels, restaurants, cafes, medical centres, child care centres, gyms, salons, laundromats, churches, petrol stations, mixed-use developments and more. Whether you own a single tenancy or a multi-storey complex, we tailor cover to match your property.
Premiums vary based on building value, location, construction type, tenant occupation and risk profile. A small retail shop may cost $1,500 to $4,000 per year, a standard office building $3,000 to $10,000, and a large warehouse or industrial property $5,000 to $25,000+. High-risk tenancies (restaurants, manufacturing) attract higher premiums. Request a free quote through Shielded for an accurate indication.
Commercial building insurance covers the physical structure including walls, roof, floors, fixed fixtures, common areas, car parks, fencing and services (electrical, plumbing, HVAC) against fire, storm, flood, impact damage, malicious damage, theft and accidental damage. It typically also covers demolition and removal costs, professional fees (architects, engineers) and compliance with current building codes when rebuilding.
If you own a commercial building and lease it to tenants, you need commercial landlord insurance. This covers the building structure, landlord's contents (common area furnishings, HVAC systems), public liability for common areas, loss of rental income if the building is uninhabitable after an insured event, and plate glass. Your tenants are responsible for insuring their own contents, stock and fit-out.
Loss of rental income (also called business interruption for landlords) provides replacement income if your commercial property becomes uninhabitable after an insured event such as fire, storm or flood. It covers the rental income you would have received during the repair or rebuild period, typically for up to 12 or 24 months. This is essential for property investors who rely on rental returns.
Plate glass cover is usually an optional add-on, not included in the base building policy. It covers the cost of replacing glass shop fronts, windows, doors, display cases and signage glass that is accidentally broken or vandalised. For retail properties with large glass frontages, this is an important cover to include.
Generally, the landlord insures the building structure, common areas and landlord's fixtures. Tenants are responsible for insuring their own contents, stock, fit-out, trade fixtures and their own public liability. Most commercial leases clearly define these responsibilities. As a landlord, ensure your lease requires tenants to hold adequate insurance and provide certificates of currency.
Contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible after damage occurs, documenting everything with photos, securing the premises to prevent further damage, and keeping records of all emergency repair costs.
We compare quotes from leading Australian commercial property insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz, AIG and others. The best insurer depends on your property type, construction, tenant occupation and risk profile. As brokers, we do the comparison work to find competitive and suitable cover for your property.
Review your policy annually at renewal, or whenever there are significant changes such as new tenants, renovations, extensions, changes in building use, or updated valuations. Building replacement costs increase over time – if your sum insured does not keep pace with construction cost inflation, you risk being underinsured at claim time. We recommend a professional building valuation every 3 to 5 years.
