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Commercial Property Insurance

Running a business or managing property comes with its unique risks. Don’t let unexpected events derail your success.

Secure and Expand Your Business with Our Commercial Property Insurance Coverage

We help your business thrive

Shield and grow your business with our customised commercial property insurance, specialised advice, and committed support—so you can dedicate your energy to what matters most.

  • Tailor your coverage

    Customise your commercial property insurance to match your unique business needs. Ensure you have the right protection without paying for unnecessary extras.

  • Access top insurers

    Tap into our extensive network to secure the best policies at competitive rates. Choose options that fit your budget and provide optimal coverage for your business.

  • Simplify expert guidance

    Eliminate the complexity of insurance with our clear, straightforward advice. Make confident decisions backed by our industry expertise.

  • Handle claims swiftly

    When you need to make a claim, rely on us to manage the process efficiently. Achieve quick and fair outcomes to keep your business operations uninterrupted.

  • Save time and money

    Allow us to handle the research and negotiations for you. Free up your valuable time and save money with better rates and comprehensive coverage.

  • Manage risks proactively

    Stay ahead of industry changes with our proactive risk management strategies. Reduce potential risks and maintain compliance to safeguard your business’s future.

MOST COMMON TYPES OF COVERAGE FOR COMMERCIAL PROPERTY OWNERS

Including, but not limited to:

Building
Insurance

machinery breakdown cover manufacturing insurance

Business Contents Insurance

Business Interruption Insurance

Public Liability
Insurance

Product Liability
Insurance

Equipment Breakdown
Insurance

Cyber Liability
Insurance

Natural Disaster
Coverage

Our insurance policies cater to a diverse array of industries

Including, but not limited to:

Construction
Insurance

Hospitality
Insurance

machinery breakdown cover manufacturing insurance

Manufacturing
Insurance

Service
Insurance

Retail
Insurance

Transport
Insurance

Real Estate
Insurance

Farming
Insurance

Small Business
Insurance

General Trades
Insurance

looking after you in more ways than one

Covering all grounds

Whether it’s regarding your claim, contract, insurance needs or helping you pay your premium on time, we’ve got your back.

Claims Management

Our in-house claims experts are here to advocate for you from start to finish.

Contract Review

Our insurance advisors can offer guidance on insurance clauses in your contract.

Due Diligence

Our insurance advisors can analyse the effectiveness of your current cover.

Premium funding

We offer a pay-by-instalment solution on any premium taken out through us.

HUMANISING YOUR EXPERIENCE

Meet our team

Greg Rynenberg

CEO

Alicia Rynenberg

Chief Marketing Officer

Christina Neylon

Head of Commercial & Consumer

Rebecca Sawers

Head of Operations

Teneille Archer

Insurance Advisor

Blake Norman

Head of Business Systems

Alicia Newell

Insurance Advisor

kind words from

Our clients

Let's get your quote started!

Fill out the online form:

Provide details about your business to help us assist you better.

Our team will contact you:

Because every business is unique, we'll contact you if more info is needed.

We'll help find suitable cover:

Once we understand your business risks, we'll find suitable cover options for you.


Let's get your quote started!

Let's get your quote started!

Fill out the online below form:

Provide details about your business to help us assist you better.

Out team will contact you:

Because every business is unique, we'll contact you if more info is needed.

We'll help find suitable cover:

Once we understand your business risks, we'll find suitable options for you.


Join thousands of satisfied clients Let us help you find the insurance cover you need

Frequently asked questions

What is Commercial Property Insurance?

Commercial property insurance is a vital component of business insurance that safeguards your commercial property against risks such as property damage, natural disasters, and theft. As experienced commercial property owners, ensuring comprehensive insurance cover helps protect your business premises and maintain operations during unforeseen events.

Why Do Commercial Property Owners Need Insurance Cover?

Protect your business by securing robust insurance cover for your commercial property. Whether you manage a single commercial building or multiple business premises, having the right commercial property insurance is essential to mitigate risks and ensure financial stability in the face of property damage or other incidents.

What Does Commercial Property Insurance Cover?

Our commercial property insurance offers extensive coverage, including building insurance, business contents, and protection against natural disasters. It covers property damage caused by fire, storms, vandalism, and other unexpected events, ensuring your business premises are well-protected and your business can continue to operate smoothly.

How Does Public Liability Insurance Complement Commercial Property Insurance?

Public liability insurance is a crucial part of your business insurance portfolio. It protects commercial property owners from claims related to personal injury or property damage that occurs on your business premises. Combining public liability insurance with commercial property insurance provides comprehensive protection for your business, covering legal fees and compensation costs.

Can You Explain Business Interruption Cover?

Business interruption cover is an essential aspect of commercial property insurance. It provides financial support if your business operations are disrupted due to an insured event, such as property damage from a natural disaster. This cover helps maintain your business by covering lost income and ongoing expenses during the downtime, ensuring your business can recover swiftly.

What is the Difference Between Commercial Insurance and Business Insurance?

Commercial insurance encompasses a broad range of coverage options, including commercial property insurance, public liability insurance, and professional indemnity insurance. Business insurance specifically refers to policies that protect various aspects of your business, such as property insurance, liability insurance, and business interruption cover. Both are integral to protecting your business premises and ensuring the continuity of your operations.

How Much Does Commercial Property Insurance Cost in Australia?

The cost of commercial property insurance varies based on factors like the location of your commercial building, the size of your business premises, and the level of coverage you require. Contact us for a personalized quote to find affordable business insurance that fits your budget while providing optimal protection for your commercial property.

What Factors Affect Commercial Property Insurance Premiums?

Several factors influence commercial property insurance premiums, including the construction type of your commercial building, security measures in place, and the nature of your business. Additionally, the location and size of your business premises, as well as your claims history, play significant roles in determining your insurance cover costs.

How to Choose the Right Commercial Property Insurance Policy?

Assess your business property needs, identify potential risks, and compare different commercial insurance policies. Our expert advisors can guide commercial property owners in selecting the most suitable commercial property insurance, ensuring comprehensive coverage and excellent value for your business insurance investment.

What is Professional Indemnity Insurance and Do I Need It?

Professional indemnity insurance protects your business against claims of negligence or mistakes in your professional services. While it complements commercial property insurance, it specifically covers legal costs and compensation related to personal injury or property damage caused by your business activities. It’s essential for businesses that provide professional advice or services.

How to File a Commercial Property Insurance Claim?

In the event of property damage, contact our claims team immediately. We offer swift and efficient claims handling to ensure a quick and fair resolution, minimizing disruption to your business operations. Our dedicated support helps commercial property owners navigate the claims process with ease, ensuring your business interruption is managed effectively.

Can I Customise My Commercial Property Insurance Coverage?

Yes, our commercial property insurance policies are highly customizable. Tailor your insurance cover to include specific needs such as business interruption cover, public liability insurance, and equipment breakdown insurance. This flexibility ensures that your business insurance aligns perfectly with your commercial property requirements, providing comprehensive protection.

What is Building Insurance and How Does It Relate to Commercial Property Insurance?

Building insurance is a fundamental part of commercial property insurance, covering the physical structure of your commercial building against damage from events like fire, storms, and vandalism. Protect your business premises by ensuring your building insurance is comprehensive and tailored to your commercial property needs, safeguarding your investment and ensuring business continuity.

How Does Liability Insurance Protect My Business?

Liability insurance safeguards your business against claims of personal injury or property damage caused by your operations. It is a critical component of business insurance, providing coverage for legal fees and compensation costs. Ensuring you have adequate liability insurance protects commercial property owners financially in case of incidents on your business premises.

What Role Does Property Insurance Play in Risk Management for Businesses?

Property insurance is a key element of proactive risk management for businesses. It helps protect your commercial property from various risks, including natural disasters and property damage, ensuring the continuity and stability of your business operations. By investing in robust property insurance, you safeguard your business premises and future growth.

Are There Specific Coverages for Natural Disasters in Commercial Property Insurance?

Yes, our commercial property insurance includes specific coverages for natural disasters such as floods, earthquakes, and cyclones. Protect your business premises against the unpredictable impact of natural events, ensuring your commercial building and operations remain secure and resilient in the face of environmental risks.

Why Is It Important to Protect Your Business with Comprehensive Insurance Cover?

Protect your business by securing comprehensive insurance cover that addresses all aspects of your commercial property and operations. From property damage and business interruption to liability and professional indemnity, having the right business insurance ensures that your commercial property owners are fully protected against a wide range of risks, providing peace of mind and financial security.

How Can Building Insurance Enhance My Commercial Property Insurance?

Building insurance enhances your commercial property insurance by specifically covering the physical structure of your commercial building. This includes protection against property damage caused by fire, storms, and other hazards. Ensuring you have comprehensive building insurance as part of your commercial property insurance provides an extra layer of security for your business premises.

What Should Commercial Property Owners Look for in a Commercial Property Insurance Policy?

Commercial property owners should look for policies that offer comprehensive coverage, including building insurance, business contents, public liability insurance, and business interruption cover. Additionally, consider the flexibility to customize your insurance cover, the reputation of the insurer, and the quality of customer support to ensure your business insurance meets all your needs.

Can Commercial Property Insurance Cover Personal Injury Claims?

Yes, commercial property insurance can cover personal injury claims through public liability insurance. This coverage protects your business against claims of personal injury or property damage that occur on your business premises, ensuring that you are financially protected against legal fees and compensation costs.

Construction Insurance

Civil Construction projects are complex and involve many stakeholders – which presents high risks to you and your team. If you’re a principal, builder, or contractor working on a civil construction project, it’s crucial to have a construction insurance policy in place to protect you. At EWIB, we carefully tailor this policy to suit the specific requirements of your projects, no matter how large or small they are.

Hospitality Insurance

If you own a business in the dynamic hospitality industry, then Hospitality Insurance is often essential for you to have. This cover can include financial protection in the event of an incident such as property/material damage, burglary, employee dishonesty or machinery breakdown, to name a few. At EWIB, we understand the risks involved in a bustling environment, and we’ll help you find an appropriate insurance cover that will protect your business at all times.

Manufacturing Insurance

Manufacturing is one of the most diverse sectors in which different products are manufactured by various methods and sold to various markets within Australia. The most common challenges faced by manufacturers, from production to the export of products, are almost as diverse and competitive. At EWIB, we understand that there is no ‘one-size-fits-all’ for insurance for manufacturers, and we will offer individualised insurance solutions for your unique needs.

Professional Services Insurance

Professional services refer to an A-Z list of professionally trained service providers, including accountants, engineers, general practitioners, and more. In your line of work, you’re most likely giving professional advice to your clients, so having insurance can protect you if you make a mistake resulting in an unwanted claim. At EWIB, we work with you to find the most suitable insurance cover to save you from spending your hard-earned money should you incur legal costs.

Real Estate Insurance

Real estate insurance is essential for professionals and businesses buying, selling, and managing properties. This type of insurance provides coverage against risks such as property damage, liability claims, and legal disputes. At EWIB, we provide custom insurance solutions to protect your business from financial losses and legal costs, allowing you to focus on success in the real estate industry.

Farming Insurance

Farming insurance protects your agricultural business from various risks, such as property damage, equipment breakdowns, and liability claims. Whether you run a small family farm or a large agricultural operation, having the right insurance ensures your livelihood is safeguarded. At EWIB, we offer tailored farming insurance solutions to cover your unique needs, helping you manage risks and focus on your farm’s productivity and growth.

Small Business Insurance

Small business insurance is vital for protecting your enterprise from unexpected risks, including property damage, liability claims, and legal issues. Whether you own a retail store, a consultancy, or a service-based business, having the right insurance ensures your business is secure. At EWIB, we provide customized small business insurance solutions, helping you safeguard your investment and focus on growing your business with confidence.