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Commercial Property & Asset Insurance

Commercial Property & Asset Insurance

Protect commercial buildings, contents, machinery, equipment, stock, and other valuable business assets from risks such as fire, storm, accidental damage, theft, and natural disasters. Property and asset insurance helps businesses recover quickly and minimise financial disruption following a loss.

 

Contact us today to discuss how we can help protect your property, buildings, equipment, and other valuable business assets.

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Property Insurance Considerations

Commercial property owners face a range of risks beyond physical damage to buildings and assets. Rising construction costs, changes in occupancy, inflation, and supply chain delays can all impact the adequacy of your insurance cover.

Regular reviews can help ensure replacement values remain accurate and that your insurance programme continues to reflect changes to your property and business operations

Tailored Property Cover

We arrange customised property insurance solutions to suit your building, contents, and property-related risk requirements.

Protection for Property Assets

Our cover helps protect commercial buildings, investment properties, and other valuable property assets.

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+64 27 482 2655

Understanding Underinsurance Risks

Many businesses discover after a significant loss that their buildings, contents, or machinery were insured for less than their true replacement value. Underinsurance can result in substantial out-of-pocket costs and delays to recovery.

Reviewing replacement costs, asset values, and policy limits regularly can help reduce this risk and provide greater confidence that adequate protection is in place.

Body Corporate Insurance

Body Corporate Insurance provides protection for apartment buildings, unit title developments, townhouses, and mixed-use properties governed by a body corporate. Cover can include the building, common areas, shared assets, liability exposures, and other risks associated with owning and managing multi-unit properties. Body corporate insurance helps protect owners from significant financial losses following damage, accidents, or liability claims.

Common Body Corporate Risks


Body corporates are responsible for managing shared assets, common areas, and building-related obligations on behalf of property owners. Significant losses can arise from building damage, liability claims, natural disasters, compliance issues, or inadequate insurance arrangements.

Selecting appropriate cover is an important part of protecting both the body corporate and individual owners from unexpected financial burdens.

Commercial Buildings

Commercial Building Insurance protects offices, warehouses, retail premises, factories, and other commercial properties against unexpected events such as fire, storm damage, vandalism, natural disasters, and accidental damage. Commercial building insurance helps protect one of your business's largest investments and associated interruption costs and supports a faster recovery when a loss occurs.

Important Considerations for Building Owners


When arranging commercial building insurance, it is important to consider factors such as:

  • Accurate building replacement values
  • Loss of rental and operational income following an insured loss
  • Tenant improvements and fit-outs
  • Building compliance requirements
  • Natural hazard exposures
  • Occupancy and tenancy arrangements


These factors can significantly influence both insurance requirements and claim outcomes.

Contents and Machinery

Contents and Machinery Insurance protects the equipment, machinery, tools, stock, and other business assets that are essential to daily operations. Cover can help with the cost of repairing or replacing insured assets and associated interruption costs following events such as fire, theft, accidental damage, storm damage, and equipment breakdown, helping businesses minimise disruption and get back up and running quickly.

Protecting Business Continuity

 

The loss of essential machinery, stock, tools, or equipment can result in far more than replacement costs alone. Delays to production, lost income, interrupted projects, and additional operating expenses can all impact business performance and liquidity.

 

Appropriate insurance can help businesses recover following an unexpected event and minimise operational disruption.

Commercial Vehicle & Mobile Plant

Commercial Vehicle and Mobile Plant Insurance provides protection for cars, utes, trucks, trailers, excavators, diggers, forklifts, agricultural machinery, and other mobile equipment used in your business. Cover can help with repair or replacement costs following accidents, theft, fire, vandalism, and other unforeseen events that could impact your ability to operate.

Assets Commonly Insured


Commercial Vehicle and Mobile Plant Insurance can provide protection for a broad range of business assets, including:

  • Company cars
  • Utes and vans
  • Trucks and trailers
  • Excavators
  • Forklifts
  • Agricultural machinery
  • Mobile plant and specialised equipment

Cover can be tailored to reflect the way vehicles and machinery are used, how they would need to be replaced and how their damage or loss may impact your business.