Safeguard your premises,
plant and fittings

Remove the uncertainty

Every commercial property is different but they can all be susceptible to instances of damage, loss and theft. Should an incident occur and your property is left unprotected, you could be left exposed to significant financial loss.

Remove the uncertainty

What is Commercial Property insurance?

Commercial Property Insurance (or Building Insurance) covers you against loss or damage done to non-residential properties. It can include a collection of relevant policies such as ISR, Strata Title and Landlords Insurance depending on your specific property and circumstances.

Who should consider it?

If you own any type of commercial property no matter what size or type, you need Commercial Property Insurance.

It covers a range of different property types including warehouses, shopping centres, offices, factories, units and apartment blocks.

Not all policies are the same. Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. That’s why our our specialist broking team members get to know your business enabling them to provide considered advice delivering you the best policy for your specific needs.

Touch base with us to learn how we can help you.

What can it cover?

The main options when arranging commercial property insurance are:

As part of your tailored Business Package Insurance
A Strata Title Insurance Policy
A Landlords Insurance Policy
An Industrial Special Risks Insurance Policy, together with a Public Liability policy

A typical Commercial Property Insurance policy will provide cover for:

Damage from floods, fire, or earthquakes
Glass breakage
Theft
Malicious and accidental damage
Loss of rent
Personal injury/property damage
Machinery breakdown

HDL, the right partner for you.

Case Study

Lucy owns three commercial units in a business park. She rents them to an architect, an accountant and a solicitor. During a week of unusually torrential rain the business park is flooded, with water streaming into Lucy’s units located on the ground floor. Fortunately Lucy’s insurance included standard flood cover, helping her pay for the repairs required to make the offices habitable again.

And while these repairs were being made, Lucy’s additional Business Interruption cover replaced her lost rental income while the offices were unlettable.

Complimentary Review

Securing optimal insurance protection is becoming more challenging.

Having a fresh set of eyes can make a dramatic difference. HDL welcomes the opportunity to evaluate and challenge your current risk and insurance program in a confidential manner that avoids disrupting existing relationships.