Commercial Property

Commercial Property Insurance

Insurance made simple

Commercial cover that holds its ground

Commercial Property Insurance is designed to protect your business’s physical assets – such as building – against damage or loss caused by events like fire, storm or vandalism. Policies can also be extended to include cover for Business Interruption (to help maintain income during an insured event), Public & Products Liability (to safeguard against third-party claims), and Machinery Breakdown (to protect vital equipment from sudden failure).

Because your building deserves a backup plan

Commercial Property Insurance

Property Damage

Property damage insurance for commercial property owners provides financial protection against physical loss or damage to buildings, fixtures, and contents caused by events like fire, storm, vandalism, or accidental impact. It ensures that if your premises are damaged, the cost of repairs or rebuilding doesn’t come out of your pocket – helping you maintain rental income and meet lease or loan obligations.

Covers structural damage, internal fit-outs, and contents
Protects against common risks like fire, weather events, and malicious damag

Business Interruption

Business Interruption insurance for commercial property owners is designed to protect your rental income if your property becomes uninhabitable due to an insured event – such as fire, storm damage, or vandalism. If tenants are unable to trade, this cover helps ensure your cash flow continues while repairs are underway.

Covers loss of rental income during the downtime
May include ongoing expenses like loan repayments
Can extend to additional costs such as claim preparation or Additional Increased Cost of Working

Machinery Breakdown

Machinery Breakdown insurance is an optional section in a commercial property policy that covers the sudden and unforeseen physical damage to essential machinery and equipment. This includes items like air conditioning systems, lifts, water pumps, refrigeration units, and electrical control panels.

It typically covers:

Repair or replacement costs for damaged machinery
Additional expenses like express freight or temporary equipment hire

It’s especially relevant for properties where machinery is critical to daily operations – think high-rise buildings, shopping centres, or facilities with centralised systems.

Public Liability

Public Liability insurance protects you against claims for personal injury or property damage that occur on your premises and for which you’re found legally liable. This could include incidents involving tenants, visitors, contractors, or even passers-by.

It typically covers:

Legal costs and compensation payouts if someone is injured or their property is damaged
Accidents in common areas, like car parks, foyers, or stairwells
Third-party claims arising from maintenance issues or hazards on the property

It’s a crucial safeguard – especially if your property is leased or open to the public – because even a minor mishap can lead to significant financial exposure.