Cover options for commercial, retail and mixed-use strata complexes. Talk to a specialist strata broker.
Tell us a little about your complex and we’ll be in touch to discuss your insurance requirements.
We’ll Get You Covered
Is designed to help protect the building structure, plus lobbies, foyers, car parks and shared amenities within the complex, subject to policy terms.
Is designed to help protect the body corporate if a tenant, customer or contractor is injured in common areas, subject to policy terms.
Can help cover lost rental income from commercial tenancies if the building becomes unusable after an insured event, subject to policy terms.
Can help cover lifts, escalators, fire services and other building plant against breakdown, subject to policy terms.
Optional extras can include office bearer’s liability and management liability cover for committee members and managing agents, subject to policy terms.
A tenant, customer or visitor is injured in a common area such as a foyer, car park or shared walkway
A fire or storm damages the building and disrupts multiple commercial tenancies at once
A lift, escalator or fire safety system breaks down and needs urgent repair
A burst pipe or plumbing failure damages common infrastructure shared by multiple tenancies
A dispute arises over a decision made by the body corporate or managing agent
Glass shopfronts or common-area glazing is damaged by vandalism or accident
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Commercial strata insurance is designed to bring together cover for the building structure, common property and shared liability risks across a commercial or mixed-use complex, tailored to the mix of tenancies involved, subject to policy terms.
Commercial strata schemes often involve a wider range of tenancy types, shared plant and equipment, and liability exposure from customers and the public, so cover is generally tailored to reflect the specific risk profile of the complex, subject to policy terms.
Standard commercial strata insurance generally covers the building and common property rather than individual tenancy fit-outs, stock or contents. Tenants can look at separate business insurance for these, subject to policy terms.
Public liability cover under a commercial strata policy can help protect the body corporate if a tenant, customer or contractor is injured in a common area, subject to policy terms.
Management liability and office bearer’s liability cover can be included as optional extras, which are designed to help protect committee members and managing agents if a decision they made in good faith is later disputed, subject to policy terms.
Tell us a bit about your building and one of our brokers will be in touch.
Business Insurance
Public and products liability cover options for businesses across Australia.
Business Insurance
Cover options for your building, fit-out, stock and equipment against fire, storm and theft.
Business Insurance
Cover options for directors, officers and employment-related liability exposures.
Strata Insurance
Cover options for apartment blocks, unit complexes and townhouses.
