Commercial Strata Insurance

To provide a commercial strata insurance quote, we require a tenancy listing to be provided to ensure you are adequately covered.  If there are any changes to commercial occupancies, we will need to be updated to make sure you are continued to be properly covered. There are some types of occupancies currently outside of our underwriting guidelines – we will let you know if we are not able to offer cover. Importantly, a commercial strata policy is a building owners’ policy only and is not intended to provide coverage for business operations conducted onsite. Please refer to our Target Market Determination to assess whether this policy is right for you. 

Our Commercial Strata insurance policy is designed for mixed-use buildings offering cover for both residential and commercial tenants. It typically includes protection for the building structure, common areas, and liability, ensuring that all aspects of the property are safeguarded under a single policy. 

Commercial strata insurance generally covers all shared spaces such as lobbies, elevators, parking garages, gardens, gyms, and roofs. It also extends to communal facilities specific to commercial properties like shared conference rooms and business centres. 

• Items not permanently attached including temporary flooring, carpets, blinds and curtains, and appliances. 

• Personal possessions, business effects and other contents items 

• The individual occupancies business insurances 

See the Product Disclosure Statement (PDS) for full list of exclusions.

Commercial strata insurance provides coverage for damage caused by natural disasters such as floods, fires, earthquakes, and storms, depending on the specific terms of the policy. It helps cover the costs of repairs and replacements to damaged property and common areas, as well as temporary relocation expenses if necessary. Learn more in our Product Disclosure Statement (PDS)