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 — each placed through our panel of 20+ specialist insurers.
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 an independent broker delivers more for your premium than buying direct.
Commercial replacement costs have increased significantly. We benchmark your building sum insured at each renewal against current construction indices — not 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's covered, what's excluded, and what individual cover you need. This is work most investors never do until a claim makes it unavoidable.
As your portfolio grows, we consolidate and manage the insurance programme — ensuring consistent cover terms, a single renewal cycle, and clear visibility of your total exposure across every asset.
We discovered at renewal that our commercial property was insured at a value that hadn't been reviewed in five years. Alvero identified the gap, helped us get a proper replacement cost assessment, and restructured the policy. The premium moved — but so did the protection.
Answers to the questions we hear most from Commercial Property Investors & Developers — no jargon, no spin.
Landlord insurance is designed for residential investment properties — it covers tenant damage, residential rental loss, and personal liability as an owner. Commercial property insurance is structured for commercial assets: it addresses different tenancy arrangements, higher replacement cost complexity, business interruption for commercial tenants, and the regulatory and liability environment that comes with commercial ownership.
Not necessarily. Multi-property commercial portfolios are often better served by a single portfolio policy than by a patchwork of individual policies. A portfolio approach can deliver more consistent cover terms, a unified renewal date, and in many cases, better pricing. We review whether a portfolio or per-property structure is more appropriate for your specific assets.
Loss of rent (or business interruption) cover pays the rental income you lose while a property is uninhabitable or unusable following an insured event. For commercial properties, this needs to be structured around your actual lease terms, indemnity period, and tenant arrangement — a standard residential rental loss assumption won't be adequate for commercial assets.
Vacancy is a significant coverage risk. Most commercial property policies contain clauses that reduce or suspend cover when a property has been vacant for more than 60–90 days. If you're between tenants, in a development phase, or managing a softening market, we proactively review and address vacancy exposure so you're not left uncovered at the wrong moment.
No. The body corporate or owners corporation policy covers the common property and shared infrastructure — the building structure, shared facilities, and common area liability. Your individual lot, internal fixtures, fittings, carpets, blinds, and your personal liability as a lot owner are typically not covered. Lot owner insurance fills this gap.
Tell us about your situation and a broker will come back to you within one business day — no jargon, no pressure, no obligation.
Or call us: 07 3155 2296