Commercial building and contents insurance helps protect the property, fit-out, equipment, stock and business assets your organisation relies on every day.
Insurance structured around your buildings, contents and business assets.
Guidance on sums insured, valuations, stock levels and replacement costs.
Practical support when your commercial property or contents are damaged.
Clear explanations of cover, exclusions, limits and deductibles.
Commercial building and contents insurance is designed for business property rather than domestic homes. It can help protect the physical building, landlord fixtures, tenant improvements, internal fit-out, equipment, stock and other business contents against insured events.
Whether you own a warehouse, office, retail premises, workshop, factory, medical practice or investment property, ABS Insurance Brokers can help you review the risks and arrange suitable commercial property insurance. The right structure depends on who owns the building, who occupies it and what assets are kept on site.
Cover may protect the insured commercial structure, including permanent fixtures and building services, against events such as fire, storm, impact, malicious damage or other insured events.
Protects eligible furniture, office equipment, tools, machinery, electronics and other contents used in the operation of your business.
Cover can be arranged for stock, materials, goods and inventory held at the premises, subject to declared values, storage conditions and policy limits.
May include machinery, plant, tenant improvements, internal fit-out, signage, glass and specified business assets, depending on the policy.
Optional protection may help with lost rental income or the financial impact of an insured interruption to trading. Waiting periods and conditions apply.
Commercial property insurance can be coordinated with public liability and other business policies to help address third-party risks connected with the premises.
We understand the different risks faced by property owners, landlords, tenants and business operators.
We help match the policy structure to your building, contents, stock, plant, fit-out and income exposures.
We compare suitable commercial insurance options and explain the differences between them.
We discuss valuations, sums insured, excesses, exclusions, claims and policy conditions in plain language.
ABS provides Australian broker support from quotation and renewal through to claims assistance.
Speak with ABS Insurance Brokers about building, contents and related commercial property insurance.
Commercial building and contents insurance is designed to protect business premises and the assets used inside them. Building cover generally relates to the structure and permanent fixtures, while contents cover relates to business property such as equipment, furniture, stock, plant and fit-out. The policy wording determines what is insured.
Building insurance usually applies to the commercial structure and fixtures. Contents insurance applies to movable business assets and may include stock, equipment, tools, machinery and office contents. Tenants may need contents and fit-out cover even when the landlord insures the building.
It may be suitable for commercial property owners, landlords, tenants, retailers, offices, warehouses, factories, workshops, professional practices, medical premises and other businesses. The appropriate policy depends on the property, occupancy, construction, activities and assets at risk.
Optional cover may be available for loss of rent or business interruption after an insured event. It can help address lost income and additional operating expenses, subject to the sum insured, indemnity period, waiting period, exclusions and policy conditions.
Your sum insured should reflect realistic replacement or reinstatement costs, including professional fees, demolition, debris removal, statutory upgrades where covered, fit-out, equipment, stock and other relevant assets. Underinsurance can reduce a claim payment, so regular reviews are important.
