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Business Property Insurance

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Business Property Insurance protects the physical parts of your business. The buildings you work from, the equipment you use, and the contents you rely on each day. Whether you own or lease your business space, this cover helps when something unexpected damages your property or stops your operations.

It can include cover for fire, storms, theft, breakdowns, floods, and other problems that impact your day-to-day work. Business Property Insurance is usually set up as part of a Business Insurance Pack. You can choose the types of cover that match how your business runs.

At Bluewell we help businesses across Australia get the right protection for their property & contents.

Types of Business Property Insurance

Here are the main types of property insurance that businesses use.

Commercial Property Insurance

Commercial Property

Covers damage to property and income loss. Bluewell helps keep your business protected with tailored commercial cover.

industry specific insurance

Business Interuption

Covers income loss after disruption. Bluewell helps keep your business running during unexpected events or property damage.

Equipment Breakdown

Protects against costs from equipment failure. Bluewell gets you back up and running with cover for repairs or replacements.

Business Equipment insurance

Theft Coverage

Covers burglary and employee theft. Bluewell protects your stock, equipment and valuables with cover tailored to your business needs.

Why Business Property Insurance Is Important

Property damage can cost more than just repairs. It can also slow down your business, upset your customers, and reduce your income. Business Property Insurance gives you a way to recover faster when:

  • A fire damages your shop or office
  • A break-in results in lost tools or stock
  • A power surge breaks important equipment
  • You have to shut temporarily after a storm or flood

Having cover in place can give you more confidence and help you stay on your feet when things go wrong.

Frequently Asked Questions

Yes. Even if you lease, you may still be responsible for certain parts of the property under your lease. We can work alongside your independent legal advisor to meet lease insurance requirements. You also should cover your contents, equipment, and any upgrades or fit-outs you have paid for.

Contents insurance covers what is inside your premises, like furniture, tools, stock, and electronics. Property insurance usually covers the building itself or permanent fixtures. Both can be combined in a Business Pack.

Not usually, most insurers require a core section of the building or contents cover, to then add on extensions such as theft.

Many property insurance policies cover storm, flood, and fire, but not all do automatically. You can usually add these options when setting up your cover.

Equipment Breakdown Insurance only covers sudden, accidental failure, not general wear and tear or lack of maintenance.

Some insurers have building replacement calculators, however these are only indicative in nature. For an accurate value, you should seek independent advice from a qualified valuation professional. You should also consider how long it would take to get back to full trading if something major happened.

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