Office Insurance

Landlord office insurance covers the building structure, common areas, landlord fixtures, public liability and loss of rent. Tenant office insurance covers the tenant's contents, fit-out, equipment and liability arising from their occupation. Both policies are important - landlord insurance does not protect tenant property, and vice versa.

Yes. Most office insurance policies cover sudden and accidental water damage from burst pipes, leaking roofs and plumbing failures. However, damage caused by gradual deterioration, poor maintenance or wear and tear is typically excluded. Maintaining your building's plumbing and roof in good condition is important to ensure claims are paid.

Business interruption cover is usually available as an inclusion or optional add-on to office building insurance. It reimburses lost rental income or additional operating expenses if your office is damaged by an insured event and cannot be occupied during repairs. The indemnity period typically ranges from 12 to 24 months.

Yes. Strata insurance covers the building structure and common areas but does not cover your internal fit-out, contents, equipment or individual lot owner liability. You need a separate office insurance policy to protect your improvements, furniture, technology and any liability specific to your tenancy or lot.

Yes. Office contents cover protects computers, servers, furniture, telecommunications equipment and other business assets against theft, provided there is evidence of forced entry or the theft meets the policy criteria. Portable items taken off-site (such as laptops) may require a portable equipment extension.

Monitored burglar alarms, CCTV cameras, deadlock security doors, window grilles, sprinkler systems and after-hours security patrols can all help reduce your office insurance premium. Insurers view these measures as reducing the likelihood and severity of claims.

Leading commercial office insurers in Australia include CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG. Each offers different policy features, excess levels and pricing. At Shielded, we compare options across these insurers to find the right balance of cover and cost for your office property.

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.