Protection that adapts to how your business operates

Commercial properties face a range of shared and unique risks, regardless of their size or purpose. Commercial Property Insurance (including Business Owners Policy) is designed to protect businesses against unexpected events — safeguarding buildings, contents, and income when the unexpected occurs.

Coverage Highlights

Buildings & Fit-Outs
Cover for owned or leased buildings, tenant improvements, and fixed installations.
Equipment Breakdown
Covers sudden mechanical or electrical failure of critical equipment such as refrigeration, point-of-sale systems, machinery, and plant.
 Business Interruption / Loss of Income
Covers lost revenue and ongoing expenses following an insured property loss, helping maintain cash flow during recovery.
Property in Transit
Cover for goods, stock, or equipment while being transported between locations, suppliers, or customers—important for retailers, distributors, and warehouses.
 Fire, Storm & Natural Perils
Protection against fire, smoke, explosion, storm, water damage, and other insured events.
Glass & Signage
Covers internal and external glass, shopfront windows, mirrors, and fixed signage—including emergency replacement costs. Critical for bike stores, cafés, and street-front premises.
 Theft & Vandalism
Coverage for burglary, break-ins, malicious damage, and attempted theft across retail, hospitality, and warehouse settings.
Contents & Stock
Protection for inventory, furniture, tools, plant, machinery, and specialised equipment—whether on display, in use, or in storage.