Built for Brisbane and Queensland Conditions
Storm, hail, and lightning are among the most common causes of commercial property claims in Queensland, and cover can also extend to damage from burst pipes, break-ins, and vandalism. If your property becomes untenantable after an insured event, your policy can be structured to cover lost rental income while repairs are carried out. Critical if you're leasing the space out rather than occupying it yourself.
What is Commercial Property Insurance?
Quick Summary
Commercial Property Insurance covers your business premises and physical assets against risks like fire, theft, and storm damage. It ensures you can repair, replace, and continue operating without major setbacks.
Protects buildings and contents.
Covers theft, fire, and natural disasters.
Ensures quick recovery from damage.
Who Needs This?
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Shop and Retail Owners
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Office-based businesses
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Warehouses and Storage Facilities
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Property investors and Landlords
What's Included?
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Buildings and fit-outs
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Furniture and business equipment
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Stock and inventory
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Damage from fire, theft, or storms
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Property Owner's Liability
What's Not Covered?
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Normal wear and tear
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Employee dishonesty or fraud
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Undocumented property or stock
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Flood damage (unless specified)
Fire and Explosion
Covers damage from fire, electrical faults, and explosions, protecting your building, fit-out, and stock from one of the most serious risks a commercial property can face.
Weather Events
Covers damage from storm, hail, lightning, and, in many cases, flood, so severe Queensland weather doesn't put your premises or your business on hold.
Impact Damage
Covers damage caused by vehicles, falling trees, or other accidental impact, protecting your premises from the unexpected.
Escape of Liquid
Covers damage from burst pipes, leaking systems, or sudden discharge of water, so a plumbing failure doesn't turn into a major repair bill.
Theft and Vandalism
Covers damage caused by vandalism, break-ins, or criminal activity, helping you recover quickly if your premises are targeted.
Loss of Rent
If your property becomes untenantable following insured damage, cover can help protect your rental income or business earnings during the repair period.
Why Monarch?
Why choose us as your brokerage
Personalised Service
We take the time to understand your business, tailoring insurance solutions to fit your exact needs rather than offering a one-size-fits-all policy.
Expert Guidance
Our team brings deep industry knowledge and explains your options in plain language, helping you make confident, informed decisions.
Trusted Claims Support
If the unexpected happens, we stand by your side. We’ll guide you through the claims process and advocate on your behalf to get the best outcome.
Local Focus, Real Relationships
As a Brisbane brokerage, we’re invested in our community and committed to building lasting relationships, not just policies.
Protect Your Business Premises and Assets.
Get cover for buildings, contents, and stock against damage and theft.
