Commercial landlord insurance
Commercial landlord insurance is designed to protect property owners who lease or rent out commercial spaces. We arrange it for owners, investors and property managers Australia-wide.
It typically covers property damage, liability for injuries on the property, loss of rental income after damage, and other risks of owning commercial property, helping safeguard your investment.
What it can cover
Commercial property insurance can offer general protection, which may include cover for:
Property damage
Repair or replacement of damaged property.
Contents
Furnishings, equipment and fixtures within the property owned by you as landlord.
Loss of rental income
Rent lost if the property cannot be occupied because of insured damage.
Theft and malicious damage
Theft or intentional damage caused by tenants or others.
Property owners liability
Legal liability for injuries or property damage to third parties at the insured property.
Glass
Glass breakage and damage to fixed fittings within the property.
Business interruption
Loss of income and additional expenses after an insured event interrupts operations.
Legal expenses
Legal costs associated with eviction, disputes or legal action related to the property.
Who should consider it?
Property owners, real estate investors and property managers who lease or rent out commercial properties. Tenanted properties may include:
- Retail sites and shops
- Office spaces
- Factories
- Cafes and restaurants
- Warehouses
- Mixed-use buildings
Your tenant usually needs their own cover for their contents, stock and liability. We can help them too.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business runs: what you do, turnover, staff, premises and contracts.
- We compare cover across a range of insurers and explain the key inclusions, exclusions and limits in plain English.
- We help with certificates of currency for landlords, leases and contracts.
- We support you at renewal, when your business changes, and through the claims process.
Frequently asked questions
Does my tenant's insurance cover my building?
Usually not. Tenants typically insure their own contents, stock and liability. The building, your fixtures and your loss of rent need your own landlord cover.
What happens to my rent if the property is damaged?
Loss of rent cover can pay the rent you lose while the property cannot be occupied because of insured damage, for the indemnity period you choose.
Does the type of tenant affect my premium?
Yes. Insurers look at how the property is used. A cafe with cooking, for example, is assessed differently from an office. Tell us when tenants or uses change.
Is strata building insurance the same thing?
No. If your property is in a strata scheme, the owners corporation usually insures the building. See our strata insurance page.
Talk to us about your cover
We will review your properties, tenants and leases and talk through your options. Call us, email us or request a callback. We service businesses Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
Find out more
Every business is different - which means you need an insurance solution that is tailored for you. For more information, contact us today.
Contact us