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Commercial Landlord Insurance

Protect your property, your tenants, and your long-term investment performance.

Build a more resilient commercial investment with protection built for business

Tailored cover, practical advice, and support that protects your property and your income.

At GIBA, we understand the added complexity that comes with commercial investment properties. From tenancy risks and liability exposure to business interruption and property damage, we help commercial landlords secure cover that reflects how their property is used, leased, and managed.

Backed by decades of industry experience and the strength of the Steadfast network, we help protect your investment, reduce disruption, and support long-term financial confidence.

Who Needs Commercial Landlord Insurance?

If you own or lease a commercial investment property, the right insurance helps protect your asset, your rental income, and your ongoing financial stability.

Commercial Landlord Insurance is ideal for:

  • Commercial Property Owners
  • Retail Property Investors
  • Industrial & Warehouse Owners
  • Office Building Owners
  • Medical & Allied Health Property Owners
  • Hospitality & Mixed-Use Property Investors
  • SMSF Commercial Property Owners
  • Multi-Tenancy Commercial Landlords
Whether your property is owner-occupied, fully leased, or between tenants, we’ll help you find cover that reflects your property type, tenant exposure, and investment goals.

Why Choose GIBA for Commercial Landlord Insurance?

Tailored Cover for Commercial Property Risks

Commercial properties come with unique risks and leasing arrangements. We help tailor your cover to suit your building type, tenancy structure, and operational exposure.

Protection for Rental Income & Business Continuity

Vacancies, damage, or major incidents can disrupt rental income quickly. We help protect your cash flow and minimise financial disruption when unexpected events occur.

Independent Advice You Can Trust

We work for you, not the insurer. That means comparing commercial insurance options across the market and helping you choose cover that aligns with your investment strategy.

Support When Complex Claims Arise

Commercial claims can involve multiple parties, tenants, and operational impacts. We help manage the process clearly and efficiently, supporting you through every stage.

What Does It Cover?

Building & Property Damage

Cover for insured events such as fire, storms, accidental damage, and other property-related risks affecting your commercial premises.

Loss of Rental Income

Protection against lost rental income if tenants cannot occupy the property following an insured event.

Public Liability

Cover if a tenant, contractor, customer, or visitor is injured on the property and you are found legally liable.

Tenant & Malicious Damage

Protection against intentional or accidental damage caused by tenants or third parties occupying the premises.

Glass, Fixtures & Commercial Fit-Outs

Cover for landlord-owned fixtures, glass, lighting, flooring, and other permanent commercial inclusions within the property.

Legal Expenses & Property Owner Risks

Support for legal costs and liabilities associated with managing and leasing commercial investment properties.

What Our Clients Say

Real stories from real people we've helped protect.

Really easy to deal with. got all the answers i needed, got the documents and everything sorted very quickly and smoothly. I will use it again and recommend it to others.
John K
Silvan and Lillian are providing a piece of mind with exceptional service and great knowledge. I can strongly recommend GIBA.
Martin S
I always get honest and very practical advice from GIBA. They have a lot of expertise and they care about their clients.
Anna B
I have personal experience dealing with General Insurance Brokers of Australia and in particular with Tony Skyes. He is very professional, knowledgeable and his advice is invaluable.
Kashyap B

FAQs

Do I need commercial landlord insurance if the tenant has their own insurance?

Yes. A tenant’s insurance generally covers their business operations and contents, not the building itself or the landlord’s financial risks. Commercial landlord insurance helps protect the property owner’s asset, rental income, and liability exposure.

Cover can be tailored for office spaces, retail shops, warehouses, medical facilities, hospitality venues, and mixed-use properties. We help structure protection around your specific property type and tenancy arrangement.

Many policies include cover for rental income loss following insured damage or events that make the property unusable. Inclusions vary between insurers, so we help ensure your income protection aligns with your investment needs.

Yes. If you own multiple commercial investment properties, we can help structure a portfolio-based insurance solution that provides consistent protection across your assets.

We support you throughout the entire claims process, helping coordinate communication with insurers, manage documentation, and guide the claim toward the best possible outcome with minimal disruption.

Protect the Investment Behind Your Income

Get Commercial Landlord Insurance that protects more than just the building.

Safeguard your rental income, reduce operational risk, and move forward knowing your investment is properly protected when challenges arise.

Get a Landlord Insurance Quote