Commercial Property

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Whether you own or lease your premises, protecting the physical foundation of your business is critical. Commercial Property Insurance helps cover the cost of repairing or replacing your business building, contents, and stock if they’re damaged by events like fire, storms, vandalism, or theft. For many small to medium-sized businesses across Australia, this cover is bundled into a Business Insurance Pack combining essential protections like building cover, contents, glass, theft, and business interruption.

Whether you’re a retailer, office-based business, tradesperson, or warehouse operator, this cover helps ensure your operations can recover quickly after unexpected disruptions. With inflation and repair costs on the rise, ensuring your commercial assets are adequately insured is more important than ever.

At Bluewell we’ll help you build a tailored Commercial Property Insurance package that minimizes downtime, and limits gaps in coverage.

Key Features

Building Cover – Protects the physical structure you own or are responsible for
Contents Cover – Insures business equipment, furniture, and stock against insured events
Glass Cover – Covers internal and external glass breakage, including shopfronts
Theft Cover – Protects against burglary and theft of insured contents or stock
Business Interruption – Covers lost income and extra expenses after a covered event disrupts trading
Bundled Business Packs – Combine multiple covers into one policy for cost efficiency

What’s Covered?

Commercial Property Insurance typically covers losses caused by:

Fire, lightning, and explosion
Storm, hail, and water damage
Accidental or malicious damage
Theft and burglary (with forcible entry)
Glass breakage (internal and external)
Electrical damage or fusion
Machinery breakdown (optional)
Loss of rent (for landlords)
Business income loss due to insured events

Note: Policy terms and limits vary — our brokers will tailor your cover to match your property use and industry risks.

How This Insurance Protects Your Business

Commercial Property Insurance acts as a financial safety net, helping you:

Rebuild or repair damaged buildings and fixtures

Replace destroyed or stolen business equipment or stock

Stay afloat during downtime with business interruption cover

Maintain cash flow when operations are temporarily paused

Reduce out-of-pocket expenses from vandalism or glass breakage

Meet landlord or lease obligations

This protection is essential for business continuity, peace of mind, and customer trust

Common Claims We See

Fire damage to a retail shopfront, including stock and shop fittings

Stormwater damage to a warehouse roof and stored goods

Glass breakage from vandalism to a restaurant’s front window

Theft of tools and laptops from an office with forced entry

Water damage to stock after a burst pipe in a clothing store

Business interruption claim after a fire shuts down a café for 3 weeks

Frequently Asked Questions

Yes. Even if you don’t own the building, you may still be responsible for insuring your fit-out, stock, equipment, and glass. Many leases also require tenants to hold specific insurances.

Absolutely. Most businesses benefit from a Business Insurance Pack, which bundles property, liability, business interruption, and others into one cost-effective policy.

Standard property insurance may not include flood cover automatically. If you’re in a flood-prone area this option might not be available, speak with a broker about adding flood cover specifically.

Most policies require evidence of forced entry for theft claims. However, broader theft cover may be available, we can guide you through the options.

Typically, you’ll need proof of ownership (invoices or photos), evidence of the loss (photos or police report), and a completed claim form. We’ll help you through every step.

Get a Quote for Commercial Property Insurance