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
Landlord Building Insurance
Owning a rental property comes with responsibilities, so having the right cover in place matters. Risks come in the form of weather events, accidental damage, or tenant-related issues, where even small oversights produce costly property losses.
We can provide you with flexible landlord building insurance for your Australian rental property. Our team outlines property risk and the tenancy conditions, meaning your coverage always matches the way your rentals are managed.
Get a QuoteBenefits of Landlord Building Insurance
Landlord building insurance is there to protect your investment and supports you should any events affect your commercial building or the income it generates.
- Helps safeguard the building against damage caused by insured incidents
- Supports income stability when rent cannot be collected after an insured event
- Reduces exposure to liability claims involving injury or third-party property damage
How 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
Applying for landlord building insurance is a simple process, one that starts with your property details and ends with confirmed cover. The steps below outline how the application progresses and what each stage involves.
Step 1
Provide key information about the property and its leasing arrangement to help identify suitable options.
Step 2
Review the recommended cover types and consider additions that address the property’s risk profile.
Step 3
Request a landlord building insurance quote and check the inclusions, limits, and optional features.
Step 4
Confirm the preferred option and allow the documentation to be prepared.
Step 5
Finalise the policy once all details have been checked and the coverage requirements are met.
Hear Directly From Other Landlords
Property owners share how CGIB supported them with landlord building insurance during real events and claims.
Edward Sebben: Had a good experience with CGIB. Dealt with Andrea who was very prompt and helpful providing us with a competitive property insurance quote.
What Does Landlord Building Insurance Cover?
Landlord building insurance is a vital layer of protection for your rental property if insured events affect the building, its contents, or the tenancy. It typically includes:
- Fire, flood, storm, and natural disasters: Damage to the structure or essential fixtures caused by major insured events.
- Theft and break-ins: Cover for loss or damage after theft, attempted theft, or forced entry.
- Liability events: Protection if an injury or third-party property loss occurs on the rental property.
- Contents and fixtures: Cover for landlords’ contents up to set limits, with options to extend.
Additional Protections:
- Options for electric motor burnout, rent default , debris removal, and tax audit cover.
- Extensions are also available for fixtures, fittings, and loss of rent under a body corporate arrangement.
Real-world examples:
- Storm impact: A severe storm damages the roof and gutters, requiring urgent repairs.
- Liability incident: A tradesperson is injured while working on the property and lodges a claim.
What Typically Isn’t Covered
As with other policy types, landlord building insurance has set exclusions. Generally, it will not cover:
Tenant neglect
Damage caused by carelessness, poor upkeep, or disregard for the property.
Gradual deterioration
Rust, corrosion, mould, or wear and tear.
Extended vacancy
Properties left unoccupied for long periods.
Unlisted events
Incidents outside the insured events defined in the policy terms.
A landlord policy also applies to the insured property only. That means separate cover is needed for personal items, additional properties, or areas managed under different policies.
Factors That Shape Your Policy Cost
Pricing for rental property cover varies and a few key factors play a major role in shaping the final cost. With landlord building insurance, premiums are often influenced by:
- Property location
- Age and condition of the building
- Coverage amount selected
- Any optional extensions
- The tenant’s occupation
At CGIB, our team can explain how these factors influence pricing and assist you when requesting a landlord building insurance quote. This helps you compare policy options with a clearer view of expected premiums.
Start Your Quote Chat With Our TeamCoverage Areas for Landlord Policies
Cover for rental properties is available across major regions in Australia, with options that cover different state requirements and local conditions. With landlord building insurance, protection can be arranged for properties in metropolitan areas and regional locations alike. Our team can walk you through any regional considerations to help match the cover to your property.
Frequently Asked Questions
What is covered under landlord building insurance?
Coverage varies by policy, but landlord building insurance typically includes protection for the building, insured events such as fire or storm impact, accidental damage, liability incidents, loss of rent after insured damage.
How does rent default coverage work?
Rent default cover provides compensation when rent cannot be collected due to an insured default event, subject to the limits and conditions listed in the policy.
What should I do if I need to make a claim?
Contact your CGIB broker as soon as you can, as this helps start the claim smoothly. Your broker will explain what details to gather, assist with the documents, and support you through the process outlined in your policy schedule.
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.
Speak to a Broker Who Understands Landlord Risks
Each rental property comes with its own challenges, so having real-world guidance grounded in real experience is invaluable. Landlord building insurance gives you structured protection for the situations property owners deal with, backed by support that makes the process clearer. At CGIB, our brokers can assist you with options and help you organise a landlord building insurance quote that reflects your property needs. You can fill out the online form or contact us on 1300 764 244 for clear advice on securing reliable cover for your rental 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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