Do you own or lease your premises?
If you own the building, you will usually want building cover as well as contents, stock and business interruption. Getting the sum insured right matters, because a rebuild cost is often higher than a market valuation.
If you lease, your lease will often say who must insure the building. You generally need to insure your own contents, stock, fit-out and income, and the lease may also require public liability cover. We can read through your lease requirements with you before you sign or renew.
Businesses we arrange property cover for
We work with small businesses across Melbourne, including retail shops, offices, cafes and restaurants, workshops and warehouses, manufacturing and trades businesses with a base or storage premises. Not every insurer accepts every business, so we match you with insurers that suit your type of operation.
Many of these covers can be bundled with liability and other covers under a business package policy.
Why use a broker for commercial property insurance?
- We ask the right questions up front, so your policy reflects what your business actually does.
- We compare quotes from insurers and explain the differences in cover, excess and exclusions, not just price.
- We help you set a realistic sum insured to reduce the risk of underinsurance.
- We are in your corner when it's time to lodge or follow up a claim.