Commercial Property Owners Insurance

Protect your commercial investment with tailored Commercial Property Owners Insurance from Clarke Lyons Insurance.

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Whether you own a single office, a retail space, a warehouse, or a portfolio of tenanted properties, your commercial assets represent a significant investment—and a potential liability. Damage, tenant disputes, or income loss can seriously impact your returns and financial security.  At Clarke Lyons Insurance, we provide customised Commercial Property Owners Insurance solutions to safeguard your buildings, rental income, and legal responsibilities. We make it easy for property investors to protect their assets and future-proof their investments.

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What is Commercial Property Owners Insurance?

Commercial Property Owners Insurance is designed to protect landlords who lease commercial premises to tenants. It covers the building itself, as well as your legal liability and potential loss of rental income if an insured event occurs.

A typical policy includes:

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• Building Insurance – Covers damage from fire, storm, vandalism, accidental damage, and more.

• Loss of Rent – Protects your rental income if your property becomes untenantable due to an insured event.

• Public Liability Insurance – Covers injury or damage claims made by third parties (e.g., tenants, visitors).

• Glass Cover – Protection for external and internal glass in the event of breakage.

• Landlord Fixtures and Fittings – Cover for carpets, air conditioning units, signage, lighting, and other fixed items.

• Legal Liability – Coverage for liability arising from ownership of the property.

• Machinery Breakdown (optional) – For lifts, air conditioning, and other essential plant and equipment.

• Tax Audit Cover (optional) – Covers costs incurred due to ATO audits related to your rental property.

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Who Needs Commercial Property Insurance?

You need commercial property insurance if you own and lease:

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• Office buildings

• Retail shops or shopping centres

• Industrial or warehouse spaces

• Medical or dental suites

• Commercial strata units

• Mixed-use developments

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Whether you’re an individual landlord or a corporate investor, Clarke Lyons can help you tailor a policy that matches your asset and tenant profile.

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Common Risks Covered

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• Fire or storm damage to your commercial building

• Loss of rental income due to property damage

• A slip-and-fall incident in the car park or common areas

• Vandalism or malicious damage by third parties

• Broken glass or damage to landlord-installed fixtures

• Legal expenses arising from property-related liability claims

Why Choose Clarke Lyons for Commercial Property Insurance?

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• Tailored Coverage – We customise each policy based on your building type, tenant activity, and location.

• Expert Advice – We help you navigate lease agreements, indemnity clauses, and owner responsibilities.

• Top-Rated Insurers – Access policies from Australia’s leading commercial insurance providers.

• Portfolio Options – Manage multiple properties under one efficient, cost-effective policy.

• Claims Support – We’re by your side if something goes wrong—making claims fast and stress-free.

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Bundle & Save

Ask us about bundling your Commercial Property Owners Insurance with:

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• Landlord Insurance for residential components

• Strata Insurance (if you own in a strata-titled development)

• Business Interruption Cover for higher-risk tenancies

• Management Liability Insurance for corporate landlords or trusts

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Get a Quote Today

Protect your investment and maximise your peace of mind with Clarke Lyons Insurance. Whether you own one building or many, we’ll help you build the right cover.  Call, email or request a Commercial Property Owners Insurance quote online.

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Clarke Lyons Insurance – Trusted cover for your commercial property investment.

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Frequently Asked Questions

Q: What is commercial property insurance?
A: It protects business structures, contents, and rental income against events like fire, storm, theft, and liability. 

Q: Does it cover loss of rental income?
A: Yes — Loss of Rent coverage compensates for income lost due to property damage. 

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Q: Can I add liability cover?
A: Absolutely — public liability and legal liabilities are included, and extended liability cover can be arranged.

Q: Who should get this insurance?
A: Owners of commercial buildings — offices, retail, industrial, mixed-use or strata units.

Let’s Work Together

Get in touch so we can start working together.