Education Facility Insurance

A small childcare centre or tutoring college might pay $3,000 to $8,000 per year. A mid-sized private school typically pays $15,000 to $50,000. Large schools with extensive campuses, multiple buildings and boarding facilities can exceed $100,000 annually. Shielded compares quotes across our insurer panel to find competitive options.

Yes. Malicious damage and vandalism are standard covered events under education facility property policies. Given that schools are frequent vandalism targets, particularly during holidays, adequate cover is essential. Some policies include graffiti removal as a specific benefit. Good perimeter security and CCTV can help reduce both claims and premiums.

Yes. Playground structures, shade sails, rubber softfall surfaces, outdoor learning equipment and sports courts are typically covered under the property section. Ensure your sum insured reflects the full replacement cost including installation. Regular playground safety inspections to Australian Standards also help support any claims.

Childcare centres need public liability cover of at least $10M to $20M given the elevated duty of care owed to young children. Claims can arise from playground injuries, allergic reactions, supervision failures and drop-off zone incidents. Some state licensing requirements mandate minimum liability cover levels.

Public liability cover typically extends to supervised activities conducted off-premises, including excursions, sporting events and camps. However, high-risk activities such as adventure sports, water activities or overnight camps may require specific endorsements. Student personal accident cover can also be arranged to provide benefits regardless of legal liability.

Business interruption cover replaces lost fee income and pays for additional costs such as temporary premises rental if an insured event forces the facility to close. For education providers, the indemnity period must account for the fact that students and families may enrol elsewhere during a prolonged closure, meaning recovery extends beyond physical rebuilding.

Yes. Shielded regularly places insurance for childcare centres, early learning facilities and outside-school-hours-care providers. We work with CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG to arrange building, contents, playground equipment, liability and business interruption cover tailored to the specific needs and licensing requirements of the early learning sector.

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.