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What is business property insurance?

Business property insurance covers your business or commercial premises from damage, whether you operate from home, own a building or rent your work premises. Damage could occur from fire, flooding, theft, vandalism and other events such as explosions or natural perils.
 

Business property insurance can also protect the contents of your commercial premises including stock, equipment and possessions.

Do I need business property insurance?

You invest a lot of money, time and energy into your business. If your business was broken into and vandalised, or a vicious storm damaged your building, business property insurance would cover the costs of replacing your assets and repairing the damage caused.

Every business has assets, and the value of your assets will depend on what kind of business you operate. Assets such as specialised equipment and materials, vehicles, stock offices and factories can be of considerable value, and it wouldn’t be financially feasible to compensate for loss of these assets without insurance.

You’ve worked so hard to grow your business into what it is today, and it’s just not worth the risk of having inadequate or no insurance protection to lose everything in a single calamity.

How much is business property insurance?

Business property insurance is broken down into different sections:

  • Fire and Perils

  • Theft

  • Glass

  • Business interruption

  • Machinery Breakdown

  • Electronic Breakdown

  • Tax probe

  • Portable Property

There is no one-size-fits-all for business property insurance, and every business will need different sections depending on their business activities. Each section of a property insurance cover typically starts at around $120 for low-risk occupations such as an office.

Other factors that can affect business insurance premiums include:

  • The amount of coverage you want for your business

  • The value of your business assets

  • If you want to insurance assets which are in transit or over multiple locations

  • The type of threats you want to have coverage for

  • The security of your commercial property

Get your business property insurance quote with Insurance HQ

We have access to some of the best public liability insurance programs in Australia. For more information or to get a tailored quote for your business, get in touch today on 1300 815 344. Our friendly team of brokers will be more than happy to discuss the best insurance options for you.

Why choose Insurance HQ?

Insurance HQ is a friendly family-owned & run insurance brokerage.
We have been in the industry for over a decade and specialise in bringing our customers’ real service and insurance coverage they can count on.

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How are we different?

  • We take all of the stress out of choosing cover as we know what policies offer genuine protection vs coverage that simply “sounds good”.
     

  • In the event of a claim, our multi-award winning team will take all the hassle and stress out of the process, handling the situation for you. With years of experience handling all forms of claims, there isn’t a scenario we haven’t heard or mastered the art of dealing with.
     

  • No one knows the industry better – we get our clients the best possible cover, for the best possible price and we fight for your best interest.
     

  • Beyond our customer service and our industry experience, we’ve spent many years building a strong rapport with insurers and negotiating competitive premiums.
     

  • With access to over 170 insurers and a friendly team who will take care of you, come and experience the Insurance HQ difference today.

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Authorised Representative No. 1244546
Oracle Group (Australia) Pty Ltd AFSL 363610

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