Managing a commercial strata property involves shared responsibility, ongoing maintenance, and exposure to risks that can affect multiple owners at once.
Commercial strata insurance protects common property, shared building structures, and liability linked to strata-managed commercial properties. It supports owners’ corporations, strata managers, and committees responsible for office buildings, mixed-use developments, retail complexes, and industrial strata properties.
Body corporate strata insurance focuses on shared assets and liabilities. It does not cover the individual business assets of tenants operating within the property.
Get a QuoteCommercial strata properties involve shared spaces that multiple occupants, visitors, and service providers use each day. Damage to common areas, fire, storm events, vandalism, or accidental incidents can create significant repair costs. Liability claims can also arise if someone suffers injury in shared areas such as lobbies, stairwells, lifts, or car parks.
Commercial strata insurance helps protect the property against these risks and reduces financial pressure on owners’ corporations.
Self managed commercial properties require protection that reflects shared ownership and operational exposure.
Commercial strata insurance can provide:
This structure helps strata committees and property managers manage unexpected costs and maintain the property.
The process remains clear and structured.
You assess the strata property structure, ownership arrangement, and shared responsibilities.
You provide details such as required sums insured, number of lots, and property usage.
We review risks linked to common areas and the building itself.
We compare policies from insurers with experience in strata cover.
You receive a quote based on the property profile.
We finalise the policy once coverage selections are confirmed.
Insurance brokers help strata managers and committees understand policy requirements and coverage options.
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Commercial strata insurance combines several forms of protection.
Premiums vary depending on the size and complexity of the property.
Key factors include:
We provide accurate pricing after reviewing the property details.
Commercial strata insurance is available across all states and territories.
State regulations can affect insurance obligations for strata schemes. Local risks such as storm activity, flood exposure, and building conditions also influence how cover is structured.
Body corporate strata insurance reflects both regulatory requirements and property-specific risks.
Strata managers and committees rely on clear guidance when arranging cover.
A commercial strata property sustained significant storm damage to shared roofing and internal common areas. CGIB managed the claims process and helped coordinate a timely response so repairs could proceed without unnecessary delays.
Our team works with established insurers and understands the risks linked to commercial strata ownership.
Start Your Quote Chat With Our TeamIt typically covers common property, shared building structures, liability risks, and certain shared facilities, depending on the policy.
This usually falls to the owners’ corporation, body corporate, or strata committee, depending on the property structure and state regulations.
No. Commercial strata insurance protects shared property and building-related risks, not tenant business contents or operations.
Building value, number of lots, claims history, location, Tenants business activities, and selected coverage all influence premiums.
Contact CGIB and provide details of the incident. We manage communication with the insurer and guide the process.
Yes. Coverage can be structured for properties that combine commercial and other occupancy types.
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.
Commercial strata insurance protects shared assets, common areas, and liability exposure across strata-managed commercial properties.
Request a quote or speak with CGIB to review your current cover and explore your options.
Professional carriers or transport operators responsible for customers’ goods in transit.
Businesses sending their own goods.
Quote FormBusinesses sending, importing, or exporting their own goods. Covers loss or damage during transit.
Carriers transporting others’ goods.
Quote FormBusinesses or individuals needing cover for a single shipment or occasional transit.
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
Existing policyholders renewing their annual Marine & Transit Insurance.
New applicants or one-off shipments.
Renewal Form
