Commercial properties – from warehouses and workshops to retail spaces, offices, and mixeduse buildings—face a diverse range of risks. At CIB, we provide coverage designed for the realities of doing business, where weather events, supplychain delays, and specialised industry operations can significantly impact recovery times.
Our focus at CIB is understanding your business operations and tailoring cover to protect against realworld risks.
Regional brokers emphasise tightening insurance markets, increased scrutiny of complex claims, and the importance of strong claims advocacy to support clients. Tenancy type heavily influences premiums. Lowerrisk tenants (e.g., offices) may attract lower premiums, while highfirerisk industries (e.g., manufacturing) can significantly increase costs.
Underinsurance is a major issue, with many properties undervalued relative to rebuild costs, exposing owners to coinsurance penalties if sums insured fall below required thresholds.
Ready to Protect Your Commercial Property?
Whether you’re a building owner, a commercial landlord, or managing multiple investment properties, CIB provides straightforward, expert commercial property insurance solutions tailored to your needs.
Drawing on common coverage themes across major Australian brokerages, your policy can include:
Property Protection
Cover for damage to buildings, contents and fixtures caused by events such as fire, storm, impact, vandalism and accidental damage, as consistently described across industry sources.
Loss of Income / Business Interruption
Protection for rental income or business revenue if the property becomes uninhabitable after an insured event. Local brokers in the region stress the importance of realistic recovery periods due to rural rebuild timelines, labour shortages and supply issues.
Liability Protection
Cover for thirdparty injury or property damage claims arising from the property, essential for landlords who must maintain a safe premises.
Theft, Money & Glass
Protection for breakins, attempted theft, and damage to internal or external glass—particularly valuable for retail and commercial premises.
Machinery & Equipment Breakdown
Cover for essential plant, motors and systems that fail unexpectedly, such as airconditioning or electrical equipment.
Additional Specialist Cover
Tax Audit and legal OH&S cost coverage for regulatory issues and compliance risks
We’re committed to exemplary service and ease of transaction while protecting your assets. And if an incident occurs, we’ll support and advocate for you through the entire claims process – negotiating with insurers and third parties to ensure the swift payment of any benefits you’re owed. You’re always our top priority.
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We’re committed to exemplary service and ease of transaction while protecting your assets. And if an incident occurs, we’ll support and advocate for you through the entire claims process – negotiating with insurers and third parties to ensure the swift payment of any benefits you’re owed. You’re always our top priority.
We have an honest, open, flexible and authentic customer centric-business relationship, to ensure we fully know our clients, their needs, and appreciate what’s important to you. We are here to guide you through your journey, constantly reviewing and providing advice on your insurance needs to help you grow.
We are here to protect your assets with exemplary service, ease of transaction, and prompt claims settlement – you are always our priority.
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We’re committed to exemplary service and ease of transaction while protecting your assets. And if an incident occurs, we’ll support and advocate for you through the entire claims process – negotiating with insurers and third parties to ensure the swift payment of any benefits you’re owed. You’re always our top priority.
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