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Commercial property insurance built for modern Australian businesses
Help protect your building, your contents, and your revenue with tailored insurance designed for commercial premises of all types, from single shopfronts to multi-site portfolios.
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Commercial property insurance made simple
upcover's dedicated commercial property insurance broking team connects you with purpose-built insurance protection for Australian business premises. From building and contents cover to liability, business interruption, and loss of rental income, we help keep your property operational, protected, and prepared for the unexpected.*
Retail Shops & Shopfronts
Cover options for building, fit-out, stock, and point-of-sale equipment
Glass breakage protection options for windows, signage, and showcases
Public liability for customer injuries and third-party property damage
Offices & Professional Suites
Protection for office buildings, fit-outs, furniture, and electronic equipment
Business interruption cover options for income losses caused by insured events
Cover options for tenant improvements, fixtures, and fittings
Warehouses & Distribution Centres
Cover options for building, stock, machinery, and racking systems
Theft and burglary protection options for high-value inventory
Goods in transit cover options for stock moving between locations
Industrial & Manufacturing Sites
Protection options for factory buildings, heavy machinery, and production equipment
Machinery breakdown cover options for essential plant and processing systems
Cover options for raw materials, finished goods, and packaging stock
Commercial Landlords & Property Investors
Building cover options for single or multi-tenanted premises
Loss of rental income protection options when properties cannot be occupied
Landlord's liability for injuries or damage occurring at the premises
Mixed-Use & Multi-Site Properties
Cover options across multiple property types and addresses on a single policy
Flexible options for premises combining retail, office, and residential use
Consolidated protection for buildings, contents, and liability across sites
*Coverage options depend on your policy selection and insurer. Refer to the relevant PDS or policy wording for specific details, terms, conditions and exclusions.
Comprehensive protection for your commercial property
Coverage options shown below. Actual cover will depend on your policy selection and insurer. Refer to the PDS or policy wording for specific details, terms, conditions, and exclusions.
Property Damage
Designed to protect your commercial building, fixtures, fittings, contents, and stock against insured events such as fire, storm, lightning, impact, explosion, and escape of liquid.
Public & Products Liability
Designed to cover claims for injuries to customers, visitors, and contractors, accidental third-party property damage, and legal costs associated with liability claims arising from your business or premises.
Business Interruption
Designed to provide financial protection for lost revenue, gross profit, and ongoing expenses when your business must close or reduce operations due to an insured event affecting your property.
Equipment Breakdown
Designed to cover repair or replacement costs when essential machinery, air conditioning, refrigeration, or other business equipment suffers mechanical or electrical breakdown.
Theft & Burglary
Designed to cover break-ins, theft of business contents, stock, and equipment from your premises, and damage caused during forced entry.
Glass Breakage
Cover for accidental breakage of internal and external glass at your premises, including windows, doors, shopfronts, signage, mirrors, and display cases.
Loss of Rent
Designed to cover lost rental income when your commercial property cannot be tenanted due to damage or closures caused by an insured event.
Removal of Debris
Designed to cover costs for safe removal and disposal of damaged materials following an insured incident, including demolition and site clearance.
Commonly asked questions by our customers
What is commercial property insurance?
Commercial property insurance is a purpose-designed insurance solution for business premises designed to protect your building, contents, equipment, and revenue. You can review quotes, manage documents and request certificates online.
What types of properties can be insured?
Commercial property insurance is designed to cover a wide range of commercial premises including: retail shops, offices, warehouses, factories, industrial sites, medical practices, hospitality venues, commercial landlord properties, multi-tenanted buildings, and mixed-use spaces.
Is commercial property insurance suitable for small businesses?
Yes. Whether you operate from a single shopfront or manage a large multi-site portfolio, commercial property insurance can betailored to your risk profile. The size of your premises doesn't limit eligibility.
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