Specialist insurance for office, retail, warehouse, industrial and mixed-use strata schemes across Australia—protecting buildings, common property and shared risks.
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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.
Protection for insured buildings and shared structures, including rebuilding and reinstatement costs after insured damage.
Cover for foyers, lifts, driveways, lighting, equipment, furniture and shared contents owned by the owners corporation.
Protection for the owners corporation’s legal liability arising from injury or property damage connected with common areas.
Cover may respond when insured damage makes commercial lots untenantable, subject to policy limits, conditions and exclusions.
Optional protection for lifts, gates, pumps, air-conditioning plant and other shared mechanical or electrical equipment.
Optional sections may protect office bearers, scheme funds and voluntary workers against specified risks.
Understanding of office, retail, warehouse, industrial and mixed-use risks.
Cover considered around occupancy, tenancy mix, claims history and building features.
Attention to declared values, policy limits and the cost of rebuilding shared property.
A dedicated point of contact for quotations, renewals and claims assistance.
Support for commercial strata schemes across Australian metropolitan and regional locations.
Request a tailored insurance review for your building, common property and shared risks.
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.
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.
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.
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.
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.
