Who should use this form?
Professional carriers or transport operators responsible for customers’ goods in transit.
Who should not use this form
Businesses sending their own goods.
Quote Form
Commercial Office Insurance
Office buildings have to handle constant use, so incidents do and will happen. Even a minor incident can spiral into costly repairs or loss of rental income. That’s why commercial office landlord insurance protects your building, as well as the interests of the property owner.
Invest in coverage that’s made for office buildings, strata office suites and commercial office spaces leased to businesses. It focuses on safeguarding the structure, landlord liability and your rental income, keeping you protected should the unexpected happen.
Get a QuoteHow Can Commercial Landlord Owners Insurance CLOI Benefit You?
As a landlord, unexpected incidents like these can lead to costly repairs, loss of rental income, or even legal expenses if someone is injured on your property. Commercial Landlord Insurance helps cover these risks, keeping your property, income, and peace of mind protected.
At CLOI, it’s all about giving you the support you need so you can focus on what matters most—your business.
With our Commercial Property Landlord Insurance, you’ll have the trusted protection and support you need to keep your property safe and sound. Let us handle the details, so you can focus on growing your investment.
CLOI is brought to you by CGIB, your trusted insurance partner.
Start Your Quote Call 1300 764 244Some Of Our Partners
How the Application Process Works
Arranging commercial office landlord insurance involves assessing your property, understanding the risks linked to tenancy and finding cover that reflects how the building is used.
Step 1
Provide property details including building size, construction type, and occupancy.
Step 2
Outline tenancy arrangements and any risks associated with the property.
Step 3
Receive a commercial office landlord insurance quote based on building value and use.
Step 4
Review coverage options, including loss of rent and liability protections.
Step 5
Finalise the policy and activate cover once documentation is confirmed.
Real Outcomes From Office Insurance Claims
Our clients describe how commercial office insurance helped manage events that impacted their assets.
What Commercial Office Insurance Covers?
Commercial office landlord insurance is a vital support should insured events affect the building, its structure, or the income it generates. It typically includes:
- Fire, storm and malicious damage: Protection for the building structure and fixtures if damaged by fire, severe weather, or vandalism.
- Water damage: Cover for damage caused by burst pipes or other sudden water-related incidents, depending on policy terms.
- Glass breakage: Cover for external windows, office frontage, and fixed glass within the building.
- Landlord liability: Protection if a visitor or third party is injured on the property, including legal defence and compensation costs.
- Loss of rental income: Support if the property becomes uninhabitable due to an insured event and rent cannot be collected.
- Accidental damage to the building: Cover for unexpected damage to structural elements of the property.
What Typically Isn’t Covered
Just like every policy, not everything is covered. Policies will exclude incidents outside the insured events listed in the terms. Tenant-owned equipment, stock, or business assets are also not covered, as the focus remains on the property itself.
Exclusions also include gradual deterioration such as wear and tear, rust, or mould, along with damage caused by poor maintenance or unresolved structural issues. Intentional or unlawful damage is not covered, as well as any events that fall outside the insured incidents listed in the policy.
What Influences Your Premium
Pricing for commercial office landlord insurance is generally determined by:
- Replacement value
- Location and exposure to risks such as storm or flood
- Construction type and age of the building
- Type of tenants and occupancy arrangements
- Security features and risk management measures
- Previous claims history
Payment arrangements can be structured to keep costs manageable throughout the year. At CLOI, our team provides clear guidance on these factors, helping you understand your options for the cover that fits your operational needs.
Start Your Quote Chat With Our TeamCoverage Availability for Office Policies
Commercial office landlord insurance is available for property owners all across Australia, covering both metropolitan and regional locations. Cover is there for office buildings, strata suites, and leased commercial spaces.
Local factors such as building regulations, environmental risks and tenancy types may influence the policy structure. A CLOI broker will always be there to guide you through these considerations and help match the cover to your property.
Frequently Asked Questions
What types of commercial office properties should landlords insure?
Office buildings, strata office suites, and leased commercial office spaces should be covered to protect the structure, liability exposure, and rental income.
How quickly can I receive a quote for commercial office landlord insurance?
Quotes are typically prepared once property details, building value, and tenancy information are provided. A CLOI broker can guide you through the process.
What should I do if I need to make a claim?
Premiums depend on building value, location, construction type, tenant profile, security measures, and claims history.
Does the policy cover loss of rent if the building is damaged?
Yes, loss of rental income may be included or added as an option if the property becomes uninhabitable due to an insured event.
How does the claims process work for building damage?
Landlords report the incident, provide supporting documentation such as photos and repair estimates, and the insurer assesses the claim. A broker can assist throughout the process.
Can I customise my landlord insurance policy to suit my property?
Yes, cover can be tailored with options such as landlord liability, loss of rent, and accidental damage to reflect the risks associated with your building.
Keep Up To Date On News And Insights From The Blog
Providing you with great insurance products to protect what’s most important to you is a given. But we also believe in keeping you up to date with the day to day risks that businesses face. Check out our blog for the latest.
Talk to a Broker Who Understands How Offices Work
Every commercial office property is different and the risks tied to ownership can vary widely. Commercial office landlord insurance provides structured protection for your asset, with guidance that helps you make informed decisions.
At CLOI, our brokers can walk you through your options and prepare a quote that reflects your building and tenancy setup. You can fill out the online form or contact us on 1300 764 244 for for clear advice on protecting your commercial property.
Marine Cargo & transit Quote Forms
Who should use this form?
Businesses sending, importing, or exporting their own goods. Covers loss or damage during transit.
Who should not use this form?
Carriers transporting others’ goods.
Quote Form
Quote Form
Who should use this form?
Businesses or individuals needing cover for a single shipment or occasional transit.
Who should not use this form?
Regularly sending goods—use the Annual Marine Cargo & Transit form.
Please note: We are unable to arrange insurance for one-off transits that involve carrying goods belonging to others please use the Annual Carriers Form
Who should use this form?
Existing policyholders renewing their annual Marine & Transit Insurance.
Who should not use this form?
New applicants or one-off shipments.
Renewal Form
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