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 Factory Insurance
Commercial factory landlord insurance is made to protect the building and the interests of the property owner. Factory and industrial buildings are exposed to higher-risk environments, with incidents such as fire, storm damage, or structural impact all possible. This can lead to unexpected repair costs and loss of rental income.
Our commercial factory insurance cover applies to manufacturing facilities, processing plants, industrial buildings and factory units leased to tenants. Factory insurance is a structured way to protect your asset, maintaining stability and reducing the impact should the unexpected happen.
Get a QuoteKey Advantages of Factory Insurance
Damage to a factory building interrupts tenancy and creates unexpected costs for the property owner. Commercial factory landlord insurance safeguards your building and asset, meaning any insured events have a reduced financial impact.
- Protects the factory building structure against insured damage such as fire, storm, or vandalism
- Provides landlord liability cover if injury or third-party damage occurs on the property
- Supports rental income if the building becomes unusable after an insured event
- Covers structural elements such as roofing, walls, and fixed building systems
- Helps maintain the long-term value of the property
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
Arranging commercial factory landlord insurance involves assessing the property, understanding tenancy risks and selecting cover that reflects how the building is used.
Step 1
Begin with an initial consultation to assess the factory building and landlord requirements.
Step 2
Review property details such as building value, construction type, and tenant use.
Step 3
Select suitable coverage levels and optional extensions such as loss of rent or liability.
Step 4
Provide documentation outlining the property and risk profile.
Step 5
Receive quotes and select a policy that matches your property needs.
Step 6
Finalise the policy and arrange payment so cover is active.
How Factory Cover Performed During Actual Incidents
Our clients outline how commercial factory insurance supported their operations when building damage or loss of rental income affected their investment.
What Does Commercial Factory Insurance Cover?
Commercial factory landlord insurance supports property owners when insured events affect the building, its structure, or the income it generates. It typically includes:
- Fire and smoke damage: Protection for the factory building if damaged by fire or related incidents.
- Storm and water damage: Cover for structural damage caused by severe weather or sudden water-related events.
- Malicious damage and vandalism: Protection against intentional damage to the building.
- Glass breakage: Cover for external windows and fixed glass within industrial buildings.
- Landlord liability: Protection if a visitor, contractor, or third party is injured on the property.
- Loss of rental income: Support if the factory becomes uninhabitable due to an insured event and rent cannot be collected.
- Accidental damage to the building: Optional cover for unexpected damage to structural elements.
Real-world examples:
- Fire event: A fire damages part of the factory building, requiring repairs before tenants can resume occupancy.
- Storm damage: Severe weather impacts roofing and structural elements, affecting tenancy.
- Liability incident: A contractor is injured on-site and lodges a claim against the property owner.
What Typically Isn’t Covered
Policies under commercial factory insurance exclude incidents outside the insured events listed in the terms. They will also not cover tenant-owned machinery, equipment, or inventory, as well as manufacturing equipment breakdown, as this relates to tenant operations.
Coverage will not apply to general wear and tear, poor maintenance and pre-existing structural issues. Intentional damage and events not listed as insured in the policy are also excluded, along with certain natural disasters unless specifically included.
What Influences Your Policy Cost
The cost of commercial factory landlord insurance depends on the risk profile of the building and tenancy. Premiums for factory insurance are influenced by:
- Factory building size and replacement value
- Construction materials and building age
- Location and exposure to risks such as fire, flood, or storm
- Type of tenant occupying the property
- Risk exposure linked to tenant activities
- Claims history
- Coverage limits and optional extensions selected
A CLOI broker keeps you informed about how these factors apply to your property, guiding you through suitable options.
Start Your Quote Chat With Our TeamFactory Insurance Access Across Australia
Commercial factory landlord insurance can be arranged for facilities in major cities and regional areas. Coverage applies to factories of different sizes, including single-site workshops, large production plants, and multi-building operations.
Policy terms and premiums may vary depending on local risk factors, state regulations, zoning and environmental exposure such as flood or storm-prone locations. A CLOI broker can explain these considerations clearly to help you organise cover that aligns with your property.
Frequently Asked Questions
What types of factory properties should landlords insure?
Manufacturing factories, industrial buildings, processing plants, and factory units leased to tenants should be insured to protect the structure and rental income.
Does landlord insurance 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.
What factors influence the cost of factory landlord insurance?
Costs depend on building value, construction type, location, tenant risk, and claims history.
Does this insurance cover tenant machinery or manufacturing equipment?
No. Landlord insurance covers the building and landlord risks, not tenant-owned equipment or operations.
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.
How often should landlords review their commercial property insurance?
An annual review is recommended, or sooner if tenancy, building structure, or property value changes.
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.
Get Guidance From a Specialist in Manufacturing Cover
Owning a factory or industrial property comes with risks that can affect both the building and your rental income. Having the right protection in place helps you manage these risks with confidence.
At CLOI, our brokers specialise in commercial property insurance and can help you arrange coverage that reflects your building and tenancy.
To get started, fill out the online form or contact us on 1300 764 244 for clear, reliable support.
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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