Commercial Property Insurance. Protecting Your Building and What's Inside It.

Whether you own a retail shopfront, a small office block, or a commercial shopping strip, your property is likely one of your most valuable assets. Getting the insurance right matters.

SME

to Corporate

ISR

Specialists

Direct

Broker Access

Recognition

At Tank Insurance, we work with commercial landlords and building owners to make sure their property is insured for its true replacement cost, not just its market value. We look at the detail of your building, your tenants, and your risk profile to find cover that actually fits.

Get a Quote Call 02 9000 1155

TARGET MARKET

Who This Is For

Whether it's a single retail shop, a small office building, or a strip of tenancies you lease out, we have the expertise to help.

Commercial Owners

Owners of retail shopfronts, small office blocks, or commercial shopping strips.

Complex Risks

If your property is valued over $5M or has complex risks, you may need an ISR policy, which we also place.

Tenant Check

If you're a tenant looking to insure fit-out and contents, our Business Pack page is a better fit.

Landlord Protection

Specifically structured to cover your building and your landlord responsibilities.

COVERAGE DETAILS

What Commercial Property Insurance Covers

Comprehensive protection for your physical assets and rental income.

Usually Covered

✓ Building and Infrastructure – Physical structure against fire, storm, flood, and impact damage.

✓ Contents and Stock – Loss or damage to equipment, fixtures, or stock.

✓ Loss of Rent – Rental income replacement while repairs are being done.

✓ Machinery Breakdown – Essential systems like HVAC, lifts, and switchboards.

✓ Glass – Internal and external glass replacement (often a lease requirement).

✓ Public Liability – Protection for injury or property damage on your premises.

Not Typically Covered

✕ Tenant belongings and stock (Tenants require their own cover).

✕ Tenant's own liability (Commercial tenants require separate PI/PL).

✕ Wear and tear or gradual deterioration.

✕ Undeclared changes in tenant activity.

RISK ASSESSMENT

What We Look at When Placing Your Cover

To get the best terms from insurers, we need to understand your building properly. These are the key factors we assess.

Construction & Materials – EPS/foam insulation and general building makeup.

Fire Protection – Detectors, extinguishers, sprinklers, and brigade proximity.

Security – CCTV, alarms, access control, and physical barriers.

Tenant Mix – Occupations (e.g., pharmacy vs. takeaway) affecting risk profile.

REAL WORLD PLACEMENTS

How We've Helped

From shopping strips with high-risk food tenants to major corporate facilities.

01 Shopping Strip, Brisbane

02 Medical Business, Sydney

A business in the medical space had outgrown their original premises. They started in a small warehouse in Sydney and relocated to a much larger facility. Because of the increased sum insured and the nature of the pharmaceutical goods they held, a standard business pack was no longer suitable.

THE RESULT:

We moved them to an Industrial Special Risks (ISR) policy to give them the cover and limits they needed.

COMPLEX ASSETS

When You Might Need an ISR Policy Instead

If your property is valued over $5M, or if the nature of your building or tenants makes it hard to place in the standard market, an Industrial Special Risks (ISR) policy may be a better fit.

Broader Limits

ISR policies offer broader cover and higher limits than standard business packs.

Specialist Underwriters

We place ISR policies through specialists for properties that don't fit the standard mould.

Tailored Advice

We help you determine whether ISR is the right option for your situation.

When You Might Need an ISR Policy Instead

Valuations & Underinsurance

Underinsurance is one of the most common problems we see with commercial property. If your building hasn't been valued recently, your sum insured may not reflect what it would actually cost to rebuild.

"As part of the Steadfast network, we have access to valuation specialists across Australia. If you need a professional valuation, we can point you in the right direction."

WHY TANK

The Tank Insurance Difference

Expertise and access that standard insurers can't provide.

01 Experience with Commercial Landlords

We work with property owners across Australia, from single retail shops to multi-tenancy strips. We understand landlord risks and how to structure cover properly.

02 Access to Specialist Markets

For properties with higher-risk tenants or construction types that mainstream insurers won't touch, we have access to specialist underwriters who can help.

03 Claims Support

If something goes wrong, we manage the claims process from start to finish. We handle the insurer, chase up progress, and keep things moving until it's resolved.

FAQS

Frequently Asked Questions

01 What's the difference between commercial property insurance and a business pack?

Both can cover similar things like property, contents, liability, and business interruption. The difference is usually in how the policy is underwritten and who's providing it.

Business packs are offered by mainstream insurers and work well for many standard risks, but those insurers have limits on the industries and property types they'll accept. If your building or tenant mix falls outside their appetite, you'll likely get declined.

Commercial property insurance through specialist underwriters is different. These underwriters focus specifically on property risks, and because they manually assess each submission rather than running it through automated systems, they can accept a broader range of occupations and building types. If you've been knocked back by a mainstream insurer, or your property has tenants or construction that don't fit the standard mould, specialist markets are usually where we find a solution.

02 Do I need to insure my tenants' fit-outs?

No. Your tenants are responsible for insuring their own fit-out, contents, stock, and liability. Your policy covers the building structure and your landlord responsibilities.

03 What if I have a high-risk tenant like a takeaway shop?

Higher-risk tenants like food businesses can make it harder to place cover through mainstream insurers. We work with specialist underwriters who have appetite for these tenant types.

04 How do I know if I'm underinsured?

If you haven't had a professional valuation in the last few years, there's a good chance your sum insured doesn't reflect current rebuilding costs. We can refer you to a valuation specialist if needed.

05 When should I consider an ISR policy instead?

Generally, if your property is worth over $5M or has complex risks that don't fit a standard policy, ISR is worth considering. It offers broader cover and higher limits.

Get Cover for Your Commercial Property

Whether you own a single shopfront or a multi-tenancy strip, we can help you find cover that fits your building and your tenant mix.

Call 02 9000 1155 Request a Quote →

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