An important Australian Company owned by locals

Commercial Property Owners

Commercial Property Insurance

Protects commercial property owner’s assets for loss due to accidental damage or listed defined events & extensions like flood. Property Owners liability exposures may need specialised tailoring.
Policies cover insured costs to clear & replace damaged buildings, contents & loss of rent following an insured loss event & Owners public liability exposures as detailed.

ASSETS & LIABILITIES

Property Owners

Considerations for owners of Buildings, Contents & Stock assets in commercial, industrial, retail sites.
Adequate Sum Insured (costs + GST) to rebuild or replace to “As New” condition.
Removal of Debris costs to Include additional costs for Asbestos & Polluted site remediation.
Loss of Rent value & period of indemnity.
Tenant Rent Default & Malicious Damage losses.
Extra Rebuilding Costs to comply with amended Council Bylaws & Development Application matters.
Loss of Land value due to Local Council Zoning changes.
Public Liability as a Property Owner.

Strata Lot Owners

The Body Corporate insures the Building structure & Common Contents they own but not Lot Owners or Tenants internal Assets such as Contents, Fixtures & Fittings and Liabilities.

Specialist policy covers & extensions

For high fire risk constructions & buildings with EPS or asbestos exposures.
Heritage listed buildings need specialist indemnity considerations.
Mixed & High Risk tenancy exposures need special risk disclosures to insurers.
Workers Compensation (If you are a Deemed Employer)