Made for Commercial Property Investors
Commercial Property Insurance
Protect your investment with cover designed for the unique risks of commercial properties.
Trusted by Aussie landlords
Hassle-free policy management
Fast response time
Gold standard in claims process
Trusted by Aussie landlords
Hassle-free policy management
Fast response time
Gold standard in claims process
Comprehensive cover for your Commercial Property
We offer policies that safeguard you against property damage, loss of rent, and liability risks, ensuring you’re covered when the unexpected happens to your commercial property.
Cover includes:
What does Commercial
Property Insurance cover?
Building and property
Protection for the building structure, fixtures, and fittings against fire, storm, flood, and accidental damage
Loss of rent
Compensation for rental income lost due to insured events that render the property uninhabitable or unusable
Public liability
Cover for injury or property damage claims that occur on your premises
Theft and vandalism
Cover for damage or loss caused by burglary, theft, or malicious damage
Glass and accidental damage
Replacement of broken glass and repair of accidental damage to the property
Legal expenses
Assistance with legal defence costs for covered property disputes
Why choose Duo Insurance for your Commercial Property?
Duo Insurance delivers tailored protection and expert service so you can focus on your property, not the paperwork.
- Clients claim advocation
- Expert advice
- Efficient claims process
How to take out policy?
Obtain a quick quote
Get an estimated premium by providing essential property details online.
01Finalise your application
Complete all necessary information, review policy terms, and submit your application.
02Protect your property
Once approved and payment is made, your policy is active, safeguarding your investment.
03Quick resources
Frequently Asked Questions
What is commercial property owner’s insurance?
Commercial landlord’s or property owner’s insurance is designed for commercial investment properties. It typically covers the physical structure of the property and also protects investors against risks associated with renting, such as tenant-related risks (deliberate, malicious or accidental damage) and the landlord’s legal liability.
What does building insurance usually cover?
Building cover generally includes the main structure of the property and permanent fixtures such as walls, roofs, kitchens, bathrooms, and built-in cupboards. Cover can either apply to insured events listed in the Product Disclosure Statement (PDS), such as fire, storm, flood (where selected), impact, and escape of liquid or on an accidental damage basis, subject to policy terms, conditions, and exclusions.
Is tenant damage covered?
Landlord policies may provide cover for loss or damage caused by tenants, including malicious damage, where this option is automatically included or available on an optional basis and policy conditions are met. Excesses, limits, and exclusions apply, and claims must meet the definitions set out in the PDS.
Does landlord insurance cover loss of rent?
Loss of rent may be covered if the property becomes uninhabitable due to an insured event or eligible tenant-related issues, as defined in the PDS. The amount and duration of cover are subject to policy limits and any applicable waiting periods.
Am I covered for legal liability as a landlord?
Landlord insurance typically includes legal liability cover for claims arising from injury or property damage to third parties in connection with your Insured property subject to policy limits, conditions, and exclusions detailed in the PDS.
Do I need commercial landlord insurance if the property is strata titled?
For strata-titled properties, the body corporate generally insures the building and common areas, including coverage for loss of rent due to damage to those areas, as well as Public Liability and other covers, such as loss of rent following an insured loss or damage to the building.
Landlord insurance may still be required to cover landlord-specific risks, including landlord-owned contents within the unit, tenant damage, loss of rent, and the landlord’s liability.
Always review the strata policy along with the insurer’s target market determination and the relevant state or territory Strata legislation to understand what is and isn’t covered.
