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.
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Commercial Warehouse Insurance
Warehouse and industrial storage facilities come with inherent risks. Whether it’s fire, storm damage, or structural issues, these incidents can result in costly repairs and loss of rental income.
Commercial warehouse landlord insurance is designed to protect the property owner’s interests. It safeguards the building, whether it’s an industrial storage warehouse, distribution centre, logistics facility, or storage building leased to tenants. The primary focus is on protecting the warehouse structure, landlord liability, and rental income—not the tenant’s stored goods or business operations.
Get a QuoteKey Benefits of Commercial Warehouse Insurance
Unexpected damage to a warehouse disrupts tenancy and creates added financial pressure for you, the property owner. Commercial warehouse landlord insurance helps minimise the financial impact, should the unexpected happen.
- Protects the warehouse building structure from insured damage like fire, storm, accidental damage, 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 walls, roofing, loading docks, and fixed fixtures
- 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 Actually Works
Arranging commercial warehouse landlord insurance involves a step-by-step process to assess the property and tailor coverage for your specific building and tenancy needs.
Step 1
Begin with an initial consultation to understand your warehouse property and landlord requirements.
Step 2
Assess building details such as size, construction type, and tenant use.
Step 3
Review and customise coverage options suitable for warehouse properties.
Step 4
Submit documentation outlining the property and risk profile.
Step 5
Compare quotes from insurers offering commercial property cover.
Step 5
Finalise the policy and arrange payment so cover is active.
Real Outcomes From Warehouse Insurance Claims
Commercial property owners share how warehouse landlord insurance supported them when building damage or rental interruptions affected their investment.
What Does Commercial Warehouse Insurance Cover?
Commercial warehouse landlord insurance is designed to protect property owners when insured events affect the building, its structure, or the income it generates. Coverage typically includes:
- Fire and smoke damage: Protection for the warehouse structure 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 building features.
- Landlord liability: Protection if a visitor, contractor, or third party is injured on the property.
- Loss of rental income: Support if the warehouse 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:
- Weather event: Severe conditions damage roofing and shelving, requiring repair.
- Break-in: Tenant goods are stolen during forced entry.
- Liability event: A visitor is injured while on-site and lodges a claim.
What Typically Isn’t Covered
Commercial warehouse landlord insurance can’t cover everything, and just like any policy, you need to know what’s protected and what isn’t. This policy is designed to protect the building, so clear exclusions apply:
- Tenant-owned goods, stock, or inventory
- Damage linked to tenant negligence (unless specifically included)
- General wear and tear, poor maintenance, and pre-existing structural issues
- Intentional damage and events not listed as insured in the policy
- Certain natural disasters unless specifically included
How Your Premium Is Calculated
The cost of commercial warehouse landlord insurance depends on the overall risk profile of the building and tenancy. Premiums are typically influenced by:
- Replacement value
- Construction type and building age
- Location and exposure to risks such as flood or storm
- Type of tenant occupying the warehouse
- Risk exposure linked to tenant activities
- Security features and fire protection systems
- Claims history
A CLOI broker will always support you in understanding these factors and help you align your coverage with your property and budget.
Start Your Quote Chat With Our TeamCover for Warehouses Across Australia
Commercial warehouse landlord insurance is available across Australia for industrial and storage properties in both metropolitan and regional areas. Coverage can be arranged for distribution centres, logistics facilities, and warehouse buildings of varying sizes.
Policy terms and premiums may vary depending on location, zoning, and environmental exposure such as flood-prone or high-risk industrial areas. A CLOI broker can guide you through every consideration, one step at a time.
Frequently Asked Questions
What types of warehouse properties should landlords insure?
Industrial storage warehouses, logistics facilities, distribution centres, and leased storage buildings should be insured to protect the structure and rental income.
Does warehouse landlord insurance cover loss of rent if the building is damaged?
Yes, loss of rental income is typically included or available as an option if the building becomes uninhabitable due to an insured event.
What factors influence the cost of warehouse landlord insurance?
Costs depend on building size, location, construction type, tenant risk, security features, and claims history.
Does this policy cover tenant goods or stored inventory?
No. Landlord insurance is designed to protect the building and landlord risks, not tenant-owned goods or stock.
How does the claims process work for warehouse 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 the process.
What optional cover should warehouse landlords consider?
Common options include loss of rental income, landlord liability, and accidental damage to ensure broader protection for the building.
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.
Talk to an Expert Who Knows Storage Operations
Owning a warehouse property involves inherent risks that can affect both the building and your rental income. The right protection helps manage these risks with confidence.
Working with a broker means you can access tailored advice, compare multiple insurers, and structure coverage that reflects your building and tenancy. CGIB brokers specialise in commercial property insurance and can help you arrange warehouse landlord insurance that fits your needs.
Use the online form or call 1300 764 244 to speak with a broker who can help you get your cover in place quickly.
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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