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Landlords Commercial Insurance Online Quote Form

Please complete the following information and submit this form to obtain an insurance quotation for your commercial property.

Please click on the following if you require a quotation for your residential property.

All information you provide must be correct, true, and accurate as incorrect or misleading information may alter our quote and jeopardise cover if you proceed with a policy.

Please refer to the CGIB Financial Services Guide, Privacy Statement, General Advice Warning and Duty of Disclosure before completing this form.

You have errors in your submission, they are highlighted in red below

INSURED'S Details

Property Owner Name/Insured*
Property Owner ABN Number
Property Address
Street Name and Number* Post Code* City/Town*

Tenants Occupation*
Fully describe all the products and/or services your tenant/s provides*

Annual Rent*
$

INSURANCE Details

BUILDING / PROPERTY (FIRE & PERILS)

(Loss or Damage at the Business Premises caused by a defined event (such as Fire and Perils) listed in the Insurers PDS/Policy Wording)
Property Cover Required?*

ITEM INSUREDAMOUNT TO BE INSURED
Please enter a value and if not required, enter 0
Building/s* $ info

Buildings:

Buildings and Structural appurtenances including:

  1. Verandahs, carports, carparks, sealed driveways and paths, shelters, awnings, gangways, staircases and all outbuildings
  2. Fixtures and fittings owed by the owner
  3. Underground and above ground services including aprons, supply mains and meters
  4. Walls, gates, fences, flagpoles, floodlights and signs
  5. Permanently fixed water and fuel tanks.
recommendation

RECOMMENDATIONS - Business Property (Fire & Perils)

It is essential that sums insured reflect current rebuilding and replacement costs to avoid PENALTY CLAUSES in the event of loss (Co - Insurance Clause). Adequate provision should be made for additional costs such as extra costs of reinstatement to comply with current building regulations, GST, architects fees etc.

We also recommend periodical valuations by recognised quantity and building surveyors. Changes to the Building code and Town planning requirements need to be considered as part of any review of rebuilding costs.

CO-INSURANCE (AVERAGE) CLAUSE

Commercial policies are subject to the Co-Insurance Clause. This clause has a penalty in the event of under insurance.

For instance:
If a building is insured for $100,000 when it's true replacement value is $200,000 an insurer will only allow 50% of any claim. Consequently in the event of a partial loss of $10,000 an insurer would only contribute $5,000.
Owners contents* $ info

Owners contents:

All Property at the Business Premises, Belonging to You (the Insured) or for which You (the Insured) are responsible for, including;

  1. Fixtures, Fittings
  2. Machinery
  3. Plant permanently fixed to Your (the Insured) Building
  4. Documents
  5. Computer Systems
  6. Paintings, works of art
  7. Property of Your (the Insured) welfare, sports and social clubs.
recommendation

RECOMMENDATIONS - Business Property (Fire & Perils)

It is essential that sums insured reflect current rebuilding and replacement costs to avoid PENALTY CLAUSES in the event of loss (Co - Insurance Clause). Adequate provision should be made for additional costs such as extra costs of reinstatement to comply with current building regulations, GST, architects fees etc.

We also recommend periodical valuations by recognised quantity and building surveyors. Changes to the Building code and Town planning requirements need to be considered as part of any review of rebuilding costs.

CO-INSURANCE (AVERAGE) CLAUSE
Commercial policies are subject to the Co-Insurance Clause.
This clause has a penalty in the event of under insurance.

For instance:
If contents are insured for $100,000 when it's true replacement value is $200,000 an insurer will only allow 50% of any claim.
Consequently in the event of a partial loss of $10,000 an insurer would only contribute $5,000.
Removal of Debris* $ info

Removal of Debris

The reasonable costs incurred for the demolition, dismantling, necessary temporary repairs, cleaning up and/or removal, storage and disposal of debris from the Business Premises if the Business Property has been damaged or destroyed and is covered by the Business Property cover section.
PREMISES DETAILS
Construction Material of the Walls?*
Construction Material of the Floors?*
Construction Material of the Roof?*
Premises Equipped with a Sprinkler System?* Yes No
Premises Equipped with Fire Hydrant/Hoses?* Yes No
Premises Equipped with Fire Extinguishers?* Yes No
Premises Equipped with Fire Alarm?* Yes No
Premises Connected to Town Water?* Yes No
Sandwich Paneling?* Yes No
Age of Building?*
Building been re-wired / re-plumbed?*
Is the building Heritage Listed?* Yes No
COOKING DETAILS
Are there any deep fryers at the premises?* Yes No

LOSS OF RENT / BUSINESS INTERUPTION

(In the event of interruption of or interference with the business as a direct consequence of damage - subject to the Insurers PDS/Policy Wording)
Loss of Rent / Business Interruption Cover Required?*
ITEM INSUREDAMOUNT TO BE INSURED
Annual Rent* $ info

Annual Rent

  • Lordlords: Annual Rent Receivable
  • Occupiers: Annual Rent Paid
Additional Increase Cost of Working* $ info

Additional Increase Cost of Working

Costs of working (not otherwise recoverable hereunder) necessarily and reasonably incurred during the Indemnity Period in consequence of the Damage for the purpose of avoiding or diminishing reductionin Revenue or Weekly Revenue or Turnover and/or resuming and/or maintaining normal bsuiness operations and/or servies.

Claim Preparation Fees * $ info

Claim Preparation Fees

Costs of such reasonable professional fees as may be payable by You (Insured) and other such reasonable expenses necessarily incurred by You (Insured) and not otherwise recoverable, for preparation and negotiation of claims under this section of cover.
Indemnity Period*    info

Annual Gross Profit

The amount by which the sum of your Annual Turnover and the amount of the closing Stock and work in progress exceeds the sum of the opening Stock and work in progress and the amount of the Uninsured Working Expenses. (Annual Turnover/Sales less Annual Stock Purchases).

recommendation

RECOMMENDATIONS - Indemnity Period

The indemnity period should be the period You consider it would take to restore the income of Your business to the same position it was on the day the loss occurred. To be adequately insured Your sum insured should be sufficient to cover a loss which may happen on the last day of the period of insurance, allowing for growth of the business.

RENT DEFAULT

(Cover for the weekly rental amount your tenets should have paid as a result of an absconding tenent - subject to the Insurers PDS/Policy Wording)
Rent Default Cover Required?*

GLASS

(In the event of breakage - subject to the Insurers PDS/Policy Wording)
Glass Breakage Cover Required?*
Covering*

TAX INVESTIGATION

(Provide cover for the costs incurred by your accountant or registered tax agent in conducting taxation audits or detailed investigations in relation to your liability to pay a range a taxes- subject to the Insurers PDS/Policy Wording)
Tax Investigation Cover Required?*
Tax Audit Costs up to*

PROPERTY OWNER'S PUBLIC LIABILITY

(For amounts you become legally liable to pay as compensation for Personal injury or Property Damage as a direct result of an occurrence happening in connection with your business - subject to the Insurers PDS/Policy Wording)
Liability Cover Required?*
Sum Insured Required*   

MACHINERY BREAKDOWN

(The event of sudden and unforeseen physical loss of or damage to any item or any part of any item of the property (insured machinery) which necessitates its immediate repair or replacement - subject to the Insurers PDS/Policy Wording)
Machinery Breakdown Cover Required?*
Sum Insured* $
Number of machinery units*    

PREVIOUS INSURANCE - Details - MUST COMPLETE ALL QUESTIONS

Do you currently hold an insurance policy?*
Please provide the date your existing policy expirers*
Please provide the name of the Insurer*
Have you ever suffered any losses or claims?* Yes No
Have you ever had any insurance cancelled or declined or special terms imposed?* Yes No
Have you ever been charged or convicted of any criminal offence or declared bankrupt?* Yes No
Are you aware of any matters not disclosed above that is relevant to the underwriter's consideration of this insurance?* Yes No
If yes to any of the above, please provide details

CONTACT Details

First Name*
Surname*
Is Contact Postal Address same as Business Address?* Yes No
Postal Address* Post Code* City/Town*
Phone Number* (please include area code)
Fax Number (please include area code)
Email Address*
How did you find us?*
Comments
* Mandatory Fields
Thank you for completing our online form.
We will endevour to contact you with your insurance details soon.
We may need to contact you to obtain additional information to provide you with an insurance quotation.
Completion of this form does not put an insurance policy/cover in place - you will need to contact us to arrange insurance cover.
All information you provide must be correct, true, and accurate as incorrect or misleading information may alter our quote and jeopardise cover if you proceed with a policy.
We recommend that you read the relevant Product Disclosure Statement when considering an insurance policy.