Commercial Property Insurance
Protect your buildings, contents, equipment, and stock with tailored commercial property insurance built for Australian business owners, landlords, operators, and commercial tenants.
Protect your property when damage, disaster, or theft disrupts your business
Every business that owns, leases, or operates from a physical location faces risks storms, fire, break-ins, burst pipes, vandalism, machinery breakdown, and accidental damage can all interrupt your operations without warning.
Commercial property insurance helps protect your business by covering repair and replacement costs for buildings, contents, and equipment. This means you can restore your premises, maintain cashflow, and resume operations sooner.
Coverite Insurance works with business owners, landlords, tenants, warehouse operators, retailers, and service businesses across Australia. We tailor your cover to include the protections you need, based on your property, location, stock, and equipment.
Commercial property insurance for Australian businesses that rely on physical premises
Whether you operate from a retail store, warehouse, office, clinic, or workshop, you need cover that protects your building and business assets from major property-related events. We support a wide range of businesses including:
Trusted Support When It Matters Most
Property claims can be complex often requiring inspections, quotes, repairs, valuations, and detailed loss assessments, all while your business manages the impact of interruption. Our clients rely on us because we provide thorough assessments of their building, equipment, and contents, offer guidance on valuations and insurer requirements, maintain fast and clear communication throughout the claims process, give access to reputable insurers who don’t deal directly with the public, and arrange cover that aligns with their business operations and location-specific risks.
Why clients choose us:
- Specialists who understand commercial property risks
- Support through claims, repairs, and inspections
- Cover that meets landlord, tenant, and lender requirements
- Responsive, hands-on service throughout the policy lifecycle
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your business and what you require, then we'll search far and wide to find the right insurance.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key commercial property cover we help arrange
Building Protection
This covers the physical structure of your building against major events such as fire, storms, hail, lightning, burst pipes, impact damage, or malicious damage. It protects roofing, walls, windows, foundations, fixed structures, and built-in fixtures. For landlords and owner-occupiers, this ensures the long-term integrity of your premises and helps you avoid large out-of-pocket repair costs after unexpected events.
Contents, Equipment & Stock Cover
Provides protection for the assets inside your premises, including furniture, shelving, electronics, POS systems, tools, machinery, fittings, materials, and stock. Whether you operate a retail store, office, warehouse, or workshop, this cover helps repair or replace business items impacted by fire, theft, water damage, or accidental damage, ensuring minimal disruption to your daily operations.
Theft & Burglary
Covers loss or damage caused by forced entry, break-ins, or vandalism during a burglary event. This includes stolen equipment, stolen stock, damaged locks, smashed entry points, and vandalised property. Essential for businesses storing valuable items onsite or for premises located in higher-risk commercial areas.
Glass & Signage Cover
Covers accidental breakage of external shopfront glass, internal glass panels, mirrors, partitions, illuminated signs, and freestanding signage. This is particularly important for retailers, hospitality venues, offices, and anyone with glass-heavy fit-outs or branded external signage that can be costly to replace.
Business Interruption Insurance
Provides financial support when insured property damage forces your business to stop operating. It covers lost income, ongoing expenses, staff wages, and temporary relocation costs, helping you keep the business running during repairs. This is critical for businesses that rely on foot traffic, production, or onsite operations.
Machinery Breakdown
Covers sudden mechanical or electrical breakdown of essential equipment such as refrigeration units, compressors, manufacturing machinery, ovens, HVAC systems, and plant equipment. This ensures your business can repair or replace vital machinery without absorbing the full financial cost.
Deterioration of Stock (Refrigerated Goods)
Protects perishable stock including meat, dairy, produce, pharmaceuticals, and other temperature-sensitive items when refrigeration equipment fails due to mechanical breakdown, power outages, or other insured events. Essential for hospitality, retail food businesses, medical storage, and any business managing refrigerated goods.
Tenant Improvements & Fit-Out Cover
Covers improvements you’ve made to a leased or rented premises, including joinery, built-in cabinetry, flooring, lighting, internal walls, partitions, cabling, and professionally installed fixtures. If you invest heavily in a tenancy fit-out, this ensures those assets are protected if damage occurs.