Building cover, strata, business interruption, and management liability for Queensland investors managing commercial assets, large residential portfolios, or development projects.
These are the exposures that regularly catch Commercial Property Investors & Developers off guard — often because they weren't on anyone's radar until a claim was already underway.
Commercial construction costs have risen sharply. Many commercial properties are insured at values set at acquisition or last reviewed years ago — meaning a major loss could leave a gap of hundreds of thousands between the insurance payout and the actual rebuild cost.
If an insured event renders a commercial property partially or fully unusable, your tenants lose business income — and may have grounds to claim against you as the building owner. Consequential loss exposure from commercial tenants is far broader than in residential property.
Strata insurance covers the common property and shared infrastructure — but your individual lot, fixtures, fittings, and liability as a lot owner may not be covered by the body corporate policy. The gap between strata and lot owner cover is frequently misunderstood and underinsured.
Between tenants, during development, or in a soft leasing market, commercial properties face elevated risks: vandalism, unauthorised access, accelerated deterioration, and in many cases, a significant reduction or suspension of cover under standard policies that contain vacancy clauses.
Property developers carry a different risk profile to passive investors — construction all risk, contract works, and development liability exposures require specialist structuring that a standard commercial property policy doesn't address.
Company directors and property owners face regulatory, employment, and governance exposures that standard property insurance doesn't cover. As a commercial investor operating through a company structure, management liability is a separate and genuine exposure.
The insurance products most relevant for Commercial Property Investors & Developers — placed through insurers we deal with regularly.
Covers the building and structure against fire, storm, flood, impact, and other insured perils — with sums insured benchmarked to current replacement costs, not acquisition values.
For investors in commercial or mixed-use strata properties. Covers individual lot contents, fixtures, fittings, and liability exposures not addressed by the body corporate policy.
Covers rental income loss and ongoing costs while a commercial property is unusable following an insured event. Structured around commercial lease terms, not residential assumptions.
Protects directors and officers of property companies from personal liability arising from decisions made in the management of the business — including regulatory, employment, and governance claims.
Three reasons to consider using a broker rather than buying direct.
Commercial replacement costs have increased. We review your building sum insured at each renewal against current construction indices, rather than the figure carried forward from when the policy was first written.
We review the body corporate insurance schedule against your lot owner obligations to identify what is covered, what is excluded and what individual cover you may need.
As your portfolio grows, we can help consolidate your insurance programme, with a single renewal cycle and visibility of your exposure across every asset.
Tell us about your situation and a broker will come back to you — no jargon, no pressure, no obligation.
General advice warning: any advice we provide is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide.
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