COMMERCIAL STRATA INSURANCE AUSTRALIA
Commercial Strata Insurance.
Cover for Complex Property.
Specialist insurance for office, retail, warehouse, industrial and mixed-use strata schemes across Australia—protecting buildings, common property and shared risks.
- Commercial, industrial & mixed-use schemes
- Building, common property & liability options
- Specialist renewal and claims support
Get Your Commercial Strata Quote
Tailored Strata Cover
Property-Specific
Multiple Insurer Options
Market Comparison
Claims Support
When It Matters
Australia-Wide Service
Local Broker Support
ABOUT COMMERCIAL STRATA INSURANCE
Shared Property.
Specialist Protection.
Commercial strata insurance protects the owners corporation’s building, common property and shared liability exposures. ABS helps assess the property, tenancy mix, reinstatement value and optional covers needed for office, retail, warehouse, industrial and mixed-use schemes. Explore our broader strata insurance solutions or compare cover for residential strata properties.
- Offices, retail centres, warehouses and industrial strata
- Building, common property and shared contents protection
- Cover shaped around tenancy mix, plant and liability exposures
- Broker support from quotation through to claim
WHAT CAN BE COVERED
Commercial Strata Cover for Buildings, Common Property and Shared Risks
Building & Reinstatement
Protection for insured buildings and shared structures, including rebuilding and reinstatement costs after insured damage.
Common Property & Contents
Cover for foyers, lifts, driveways, lighting, equipment, furniture and shared contents owned by the owners corporation.
Public Liability
Protection for the owners corporation’s legal liability arising from injury or property damage connected with common areas.
Loss of Rent
Cover may respond when insured damage makes commercial lots untenantable, subject to policy limits, conditions and exclusions.
Machinery Breakdown
Optional protection for lifts, gates, pumps, air-conditioning plant and other shared mechanical or electrical equipment.
Committee, Fidelity & Volunteers
Optional sections may protect office bearers, scheme funds and voluntary workers against specified risks.
WHY CHOOSE ABS
Why Owners Corporations & Strata Managers Choose ABS
Commercial Property Insight
Understanding of office, retail, warehouse, industrial and mixed-use risks.
Tailored Market Approach
Cover considered around occupancy, tenancy mix, claims history and building features.
Reinstatement Focus
Attention to declared values, policy limits and the cost of rebuilding shared property.
Personal Broker Support
A dedicated point of contact for quotations, renewals and claims assistance.
Australia-Wide Service
Support for commercial strata schemes across Australian metropolitan and regional locations.
Protect Your Commercial Strata Property
Request a tailored insurance review for your building, common property and shared risks.
FREQUENTLY ASKED QUESTIONS
What does commercial strata insurance cover?
Commercial strata insurance generally protects the owners corporation’s building, common property, common contents and legal liability. Depending on the policy, optional sections may include machinery breakdown, loss of rent, office bearers’ liability, fidelity cover and voluntary workers. Cover varies between insurers, so the policy wording and schedule must be reviewed carefully.
Is commercial strata insurance compulsory?
Insurance obligations vary between states and territories. In NSW, an owners corporation generally must keep the strata building insured and maintain the required public liability cover. ABS can help identify the insurance requirements and appropriate policy sections for your particular scheme.
What types of commercial strata property can be insured?
Cover may be available for strata-titled offices, shops, medical suites, retail centres, warehouses, factories, light-industrial units, business parks and mixed-use developments. Acceptance, terms and premiums depend on the building, location, occupancy, tenant activities, fire protection, claims history and other underwriting information.
Does the strata policy cover individual lot owners and tenants?
The strata policy primarily protects the owners corporation’s insurable interests and common property. Individual lot owners and tenants may still need separate cover for fit-outs, contents, stock, equipment, public liability, loss of income and business interruption. These policies should be coordinated to reduce unintended gaps.
What information is needed for a commercial strata quote?
Useful information includes the property address and strata plan, building use, tenancy schedule, replacement-cost valuation, requested sum insured, current policy schedule, claims history, construction details, fire protection, shared plant and machinery, and any risk-management improvements. More complete information helps insurers assess the scheme accurately.