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.

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Key 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 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.

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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.

Kristy Wetherell
I was new to this type of PI insurance and was lucky to come across CGIB. From my initial online requests, to arranging my coverage, communication was excellent and my insurance was organised easily, and competitively priced! Thank you!
kerry johnson
From getting a quote to being fully secured took , in real time, only a few hours. Aleisha was outstanding by keeping us informed at all times. So happy with the service and the end result. Thank you
Adam Smith
CGIB has been with me, since I started my business almost 10 years ago. Caroline is always prompt with replies to any queries I have. Very happy to recommend CGIB.
domenic sciacca
CGIB are outstanding insurance brokers. I've been dealing with them for 20+ years and have consistently had a positive experience. Their service is always prompt, professional and they are an absolute pleasure to deal with.
Neil Harris
Caroline & CGIB have looked after my insurances now for over 10 years, and have been great to deal with. Will continue to use their services.
Trevor Brown
The staff at CGIB were very helpful and achieved what I needed without fuss or delay. Excellent experience
Alexis Rivers
Caroline at CGIB Insurance is just great to deal with. She’s proactive, knows her stuff, and is always easy to reach.

She really takes the time to understand my business and makes sure everything is clear and properly covered. Feels more like having someone in your corner than dealing with insurance.

Super highly recommend.

Thanks agian =)
Steve Colakidis
I have used CGIB as my insurer for over 10 years and they have always been very professional and reliable.
Antonio Iannella
CGIB have facilitated insurance for our Owners Corp requirements for the last few years. Sarah has been professional, diligent, helpful and I highly recommend their services.
PINA SERNIO
Wouldn't go anywhere else! We have been in the building industry for over forty years and have used other companies to handle our insurances and it was a nightmare. CGIB has been responsive, efficient and pleasure to do business with. They have handled our claims in a speedy manner and stayed on top of things, sending ME friendly reminders to help me stay on top of things. We have been with them for what could be over 15 years and highly recommend them.

Find the Right Insurance for You

View related policies that apply to similar settings as landlord commercial insurance, including:

Office
Factory
Warehouse
Retail
Manufacturing
Small Businesses

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.

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Cover 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

Industrial storage warehouses, logistics facilities, distribution centres, and leased storage buildings should be insured to protect the structure and rental income.

Yes, loss of rental income is typically included or available as an option if the building becomes uninhabitable due to an insured event.

Costs depend on building size, location, construction type, tenant risk, security features, and claims history.

No. Landlord insurance is designed to protect the building and landlord risks, not tenant-owned goods or stock.

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.

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.

Introducing CLOI: Your Ultimate Commercial Landlord Owners Insurance
Know your Obligations as a Commercial Property Owner
How to Handle your Management Liability Risks Better

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.

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Marine Cargo & transit Quote Forms

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

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