Landlords Commercial Insurance

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.

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INSURED'S Details

Property Owner Name/Insured*
Property Owner ABN Number

PREMISES Details

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 INSURED	AMOUNT TO BE INSURED Please enter a value and if not required, enter 0
Building/s *	$ Buildings: Buildings and Structural appurtenances including: Verandahs, carports, carparks, sealed driveways and paths, shelters, awnings, gangways, staircases and all outbuildings Fixtures and fittings owed by the owner Underground and above ground services including aprons, supply mains and meters Walls, gates, fences, flagpoles, floodlights and signs Permanently fixed water and fuel tanks. 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 *	$ Owners contents: All Property at the Business Premises, Belonging to You (the Insured) or for which You (the Insured) are responsible for, including; Machinery Plant permanently fixed to Your (the Insured) Building Documents Computer Systems Paintings, works of art Property of Your (the Insured) welfare, sports and social clubs. 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 *	$ 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
Size of building in sqm
Construction Material of the Walls? *
Please provide details of Other *
Construction Material of the Floors? *
Please provide details of Other *
Construction Material of the Roof? *
Please provide details of Other *
Building Security
Please indicate which of the below are in use * Deadlocks on doors Electronic key pad / swipe card access Locks on all external windows without bars Bollards in front of glazing / display windows / roller shutters Local alarm Watchman patrols Bars on windows Protection of display windows Security Fencing CCTV system installed External lighting
Does the building contain asbestos *	Yes No
Premises Equipped with a Sprinkler System? *	Yes No
Premises Equipped with a Fire Hydrant? *	Yes No
Premises Equipped with Fire Hoses? *	Yes No
Premises Equipped with Fire Extinguishers? *	Yes No
Premises Equipped with Fire Blankets? *	Yes No
Premises Equipped with Fire Alarm? *	Yes No
Premises Connected to Town Water? *	Yes No
Sandwich Paneling? EPS/ACP *	Yes No Major applications of EPS include insulation panels for use in floors, walls and roofs of domestic as well as commercial buildings. Examples of industries that typically have EPS construction include: Abattoirs Bakeries Butcher Shops Clubs & Sporting Facilities Delicatessens Fast Food Outlets Fish Shops Florists Fruit & Vegetable Shops & Growers Farms Hotels and Motels Poultry Farms Restaurants Seafood Processors Service Stations Smallgoods Manufacturers Supermarkets Water Bottling Plants Wineries EPS is highly flammable and when damages, principally due to health department requirements, cannot be repaired and requires complete replacement. Expanded Polystyrene (EPS) is a lightweight cellular plastic material consisting of small hollow spherical balls. It is this closed cellular construction that gives EPS its remarkable characteristics. EPS is produced in a wide range of densities providing a varying range of physical properties. These are matched to the various applications where the material is used to optimise its performance and strength. EPS is also well proven in civil engineering applications where its inherent strength means it can support structures such as roadways and railways with complete ease. In 2006/2007 approximately 33,000 tonnes of EPS was manufactured in Australia. Of this: ~ 29% Packaging ~ 67% Building and Construction ~ 4% Other Applications
Confirm total % of floorspace *
Year Built?*	Year must be 4 digits and in the past
Building been re-wired? *	Yes No
Year Rewired?*	Year must be 4 digits and in the past
Building been re-plumbed? *	Yes No
Date Re-plumbed?*	Year must be 4 digits and in the past
Is the building Heritage Listed?	Yes No
Are there any deep fryers at the premises?	Yes No
Total Number of Deep Fryer Units?*
Largest Size Deep Fryer?*

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?*

Indemnity Period*

RECOMMENDATION - 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.

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*

COMMERCIAL LEGAL PROTECTION

Commercial Legal Protection Required?*

Select Commercial Legal Expenses Limit*

Has the insured or any director or partner involved with the business or any other business experienced any claims or are aware of any circumstances including requlatory investigations that could give rise to a claim that may have been covered by this policy?* Yes No

Has the insured or any director or partner involved with the business or any other business have in the past 5 years ever been cobvicted of an offence relating to the Health and Safety of their employees or members of the public in connection with their business?* Yes No

Please provide all relevant information to all questions answered "Yes"
Please include where applicable*

How much industry experience does the insured have*

PREVIOUS INSURANCE

Do you currently hold a Commercial Landlord Insurance policy for this property?*

Please provide the date your existing policy expires *
Please select the name of the Insurer*
provide existing insurer name*

CONTACT Details

First Name*
Surname*
Postal Address* Post Code* City/Town*
Phone Number*
Email*
How did you find us?*
Please provide details
Comments

Important Information

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We will handle your personal information in accordance with our Privacy Policy.

Completion of this form does not put an insurance policy/cover in place - you will need to contact us to arrange insurance cover.

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We will endevour to contact you with your insurance details soon.

Landlords Commercial Insurance

INSURED'S Details

PREMISES Details

INSURANCE Details

BUILDING / PROPERTY (FIRE & PERILS)

Buildings:

RECOMMENDATIONS - Business Property (Fire & Perils)

Owners contents:

RECOMMENDATIONS - Business Property (Fire & Perils)

Removal of Debris

LOSS OF RENT / BUSINESS INTERUPTION

RECOMMENDATION - Indemnity Period

GLASS

TAX INVESTIGATION

PROPERTY OWNER'S PUBLIC LIABILITY

MACHINERY BREAKDOWN

COMMERCIAL LEGAL PROTECTION

PREVIOUS INSURANCE

CONTACT Details

Important Information

Other Insurance Needs

Terms of Use

Important Information

Our Privacy Policy

What information do we collect, hold and how do we use it?

What if you don’t provide some information to us?

How do we hold and protect your information?

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Complaints About Privacy

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How to contact us

Have you ever suffered any losses or claims*	Yes No
Please confirm if you have suffered any accidents or incidences that would give rise to a claim under this insurance?*	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 underwriters consideration of this insurance?*	Yes No