Industrial & Manufacturing Property Insurance

A small workshop or warehouse might pay $4,000 to $12,000 per year. A mid-sized manufacturing facility typically pays $15,000 to $50,000. Large industrial complexes with high plant values and hazardous processes can exceed $100,000 annually. Shielded compares quotes from CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG to find the most competitive option.

Standard property policies do not cover mechanical or electrical breakdown of plant and equipment. Machinery breakdown cover must be added as a separate section or standalone policy. Given the cost and lead time involved in replacing industrial machinery, this cover is strongly recommended for any manufacturing operation.

Business interruption cover replaces your lost gross profit and pays for increased costs of working while your operations are disrupted by an insured event. For manufacturers, the indemnity period must account for the time needed to source and install replacement equipment, which for specialist machinery can be 12 to 24 months.

Yes. Under Australian Consumer Law, manufacturers can be held strictly liable for products that cause injury or property damage regardless of fault. Products liability insurance covers legal defence costs and compensation payments. Limits of $10M to $20M are standard, though higher limits may be needed depending on the products you manufacture.

Yes, significantly. A compliant sprinkler system can reduce industrial property premiums by 30% to 60% or more. Insurers recognise that sprinklers dramatically reduce the severity of fire losses. The system must be maintained, inspected and tested to Australian Standards to qualify for the discount.

Standard industrial property policies typically cover stock at the premises only. Cover for stock in transit, whether by your own vehicles or third-party carriers, requires a separate transit or marine cargo policy. Shielded can arrange transit cover alongside your property program.

Yes. Shielded regularly places insurance for warehouses, distribution centres and logistics facilities. These properties require building cover, contents and stock insurance, business interruption, liability and often machinery breakdown for racking systems, forklifts and conveyor equipment. Contact our team for a tailored quote.

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.