Your premises, stock, equipment and fit out are the physical backbone of your business. If a fire, storm, break in or accident damaged them, could you keep trading? Commercial property insurance protects the assets your business depends on, so a single event does not force you to close your doors. At Axle Insurance, we arrange commercial property cover tailored to your business and compared across multiple insurers.
Commercial property insurance protects the physical assets your business owns or is responsible for against sudden and unexpected loss or damage. That includes your building, if you own it, along with the contents inside, such as stock, equipment, tools, furniture and your fit out. It is a core part of a complete business insurance program for any business with a physical location or valuable equipment.
Cover can be arranged for a single shopfront or office through to larger premises, and tailored to the way your business actually operates.
Your building and permanent fixtures, if you are the owner
Stock, equipment, tools and machinery
Furniture, fittings and your fit out
Loss or damage from fire, storm, water and impact
Theft and malicious damage
Glass, signage and other specific items, depending on your policy
Any business with premises, stock, tools or equipment has something worth protecting. Retailers, cafes and restaurants, workshops, manufacturers, offices and trades all rely on physical assets that would be expensive and disruptive to replace. If losing your location or contents would stop you trading, commercial property cover belongs in your program. It also pairs naturally with business interruption cover, which replaces the income you lose while you recover.
As business insurance brokers, we work for you, not the insurer. We compare commercial property cover across multiple insurers, make sure your sums insured reflect the true cost of rebuilding and replacing, and help you avoid being underinsured, a common and costly mistake. At claim time, we stand beside you so you can focus on getting back to business. We can also bundle your property cover with public liability insurance and other covers in a single pack, which is usually more affordable than separate policies. For the full picture, see the types of business insurance in Australia.
Yes. Even as a tenant you usually own the contents, stock, equipment and fit out inside, and these need protecting. The landlord’s policy generally covers the building only.
Underinsurance happens when your sums insured are set too low to fully rebuild or replace your assets. If that occurs, a claim may be reduced. We help you set accurate values so you are properly covered.
Yes. Business interruption is commonly arranged alongside commercial property to replace lost income and ongoing costs while you recover from an insured event.
Protect the assets your business runs on. Get a free quote and our team will tailor the right cover for you.
