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Commercial Property Owner Insurance

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Commercial Property Owners face exposure that require insurance coverage designed to protect your assets.

What is Commercial Property Insurance

Commercial Property Insurance is a package policy designed to cover the exposures of the Owner of the Property. It is usually a requirement by any financier (bank or mortgage lender) so that the Property Owner can rely on an insurer in case of any unexpected loss or incident occurring at the premise.

What does Commercial Property Insurance cover?

Commercial Property Insurance can be tailored to cover specific exposures for the owner. The main exposures are damage to the building asset, lost rental income following damage and Property Owners Liability.

What can Commercial Property Insurance cover?

Commercial Property Insurance is available to cover any building asset which is an investment property for the owner. Premium costs for Commercial Property insurance is derived based on the tenancy, building construction and risk mitigation such as fire sprinkler systems. An office building would be significantly less total premium to insure then a plastic manufacturer’s building of the same sum insured.

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Types of insurance your program can include:

Property Damage Insurance

Cover for physical assets from accidental damage & insured perils. Assets include Buildings, Fixtures,Fittings, Contents, Plant, Machinery, Equipment & Stock. Policy coverage can be arranged via Business Package or ISR.

Business Interruption Insurance

The policy covers the financial impact to business from insured damage to Property Assets, this includes reduction in Insurable Gross Profit & the Additional Costs to the business. Business Interruption can be included within Business Packages, ISR or taken as stand alone product.

Crime / Theft Insurance

Cover for physical assets from Burglary or Theft by a third party. Assets include Buildings, Fixtures, Fittings, Contents, Plant, Machinery, Equipment & Stock. Policy coverage can be arranged via Business Package or ISR. Noted that Money & Cash cover is taken via separate section or Sub Limit, similar for theft by employee.

Glass Insurance

Cover for the Property Owners Exposure to damage to glass within or on the building.

Machinery / Equipment Breakdown

Coverage for equipment repair or replacement from Breakdown. The cover typically does not cover wear & tear. Cover can be extended to insure the item against all damage similar to the property policy.

Public & Products Liability Insurance

Covers legal liability to third parties for personal injury or damage caused by an employee or by the business during declared business activities. It also covers related legal fees, costs and expenses. The cover is often combined into a single policy with Public & Product liability.

Statutory Liability

Coverage for Fines & Penalties for wrongful breaches of legislation. Policy coverage includes the legal expenses for these breaches.

Tax Audit Insurance

Insurance cover for the accounting fees resulting from a audit by the ATO, Commonwealth, State or Territory department. Cover can be obtained within Business packages, ML or Stand alone policy.

Legal Expenses Insurance

Advice and Cover for the legal costs of pursuing or defending certain classes of legal action. It covers legal expenses not covered by General liability, professional indemnity or directors & officers insurance. Policies can be arranged to include cover for Building or Construction contracts & Employment Contracts. Policy includes benefits for free telephone Legal Advice.

Why choose Bracesure Insurance Brokers?

Expert Advice

Qualified insurance experts, who can partner with you every step of the way.

Value for Money

Bracesure's scale means you can get the best cover, at the right price.

Peace of mind

We work for you, not the insurer. You can rest assured you and your business are in safe hands.

Service

A Bracesure broker is part of your team for the long haul, offering understanding of you and your business.