Commercial Property Owners Insurance
(Landlords Cover)Because Your Property Deserves More Than a Generic Policy
Owning commercial property can be rewarding, but it also comes with complex risks. Damage, rental loss, or tenant disputes can quickly affect your income and peace of mind. The right insurance helps you plan with confidence and protects your investment when things don’t go to plan.
As a specialist insurance adviser, I work one-on-one with property owners to arrange cover that genuinely fits without the delays or generic solutions often found with larger brokers. Every client receives clear guidance, consistent contact, and support from someone who knows their portfolio and priorities.
With personal service and experienced advice, you can protect your property with the confidence that someone’s always in your corner:
- Protection for your building against damage or loss
- Rental income cover if tenants default or your property becomes uninhabitable
- Liability and legal protection for disputes or unforeseen claims
- Ongoing support and advice from a single, reliable point of contact
Fire, Storm & Malicious Damage
Protection against damage caused by fire, severe weather, vandalism, or other intentional acts—so repair and replacement costs don’t come out of your pocket.
Glass Breakage
Covers the cost of replacing broken windows, doors, or shopfront glass, helping you maintain safety and a professional appearance.
Public Liability (Injury to the Public)
Covers legal and compensation costs if someone is injured on your property, helping protect you from expensive claims.
Rent Default
Financial protection if a tenant fails to pay rent, helping stabilise your income and reduce financial strain.
Machinery Breakdown
Helps cover repair costs for essential equipment such as air conditioning, heating, or other critical systems.
Tax Investigation (Tax Audit)
Assistance with professional costs if your property finances are reviewed by tax authorities.
With Snap Insurance Group, you’ll get access to several Insurance Companies that specialise in commercial property coverage.
Frequently Asked Questions (FAQ)
What Types of Properties Does This Policy Cover?
Our Commercial Property Owners Insurance is designed to protect a wide range of commercial properties across Australia. Coverage includes, but is not limited to:
- Office buildings
- Retail shops and shopping premises
- Factories and industrial properties
- Warehouses and storage facilities
- Other commercial property types
What Is Machinery Breakdown Insurance?
Machinery Breakdown Insurance covers essential equipment, such as heating, cooling, or other mechanical systems. If they suffer sudden and unexpected breakdown. This coverage helps with the immediate repair or replacement costs, reducing downtime and disruption.
How Does Business Interruption Insurance Work?
If an insured event interrupts your business operations, Business Interruption Insurance helps cover lost profits and loss of rent during the recovery period. This support helps keep your cash flow stable while your property or business gets back on track.
What Is Property Owners Liability Insurance and Why Do I Need It?
Property Owners Public Liability Insurance provides cover for compensation and legal costs if someone is injured on your property. This protection helps safeguard your financial interests against costly claims.
What Does Commercial Property Owners Insurance Cover?
Our Commercial Property Owners Insurance protects your buildings, fixtures, fittings, and contents against events such as fire, storms, and other insured risks. It’s designed to protect your investment, minimise financial setbacks, and help keep your business running smoothly.
Can I Insure Multiple Properties Under One Policy?
Yes. You can insure multiple properties under a single policy, which is a convenient way to streamline management and reduce administrative costs.
Does Commercial Property Owners Insurance Include Glass Cover, and Do I Need It?
Yes. You can choose to include glass cover, which protects all types of glass, including plate glass and shopfronts, against accidental breakage. When selected, this cover helps you avoid unexpected repair costs and keeps your property secure and professional in appearance.
What is not covered by this Insurance?
Typically the Policy will contain limitations & exclusions. Examples of common exclusions include wear and tear, maintenance issues, gradual deterioration, deliberate acts & damage from illegal activities on the premises. Flood cover is also excluded initially, however this can be included if required. Acceptance of flood will be considered due to various rating factors, with the main ones being location & flood mapping.
How do I determine the correct amount to insure my property for?
The sum insured should be based on the property’s replacement cost (the cost to rebuild the structure from scratch, including architectural and construction fees), not its market or resale value