PROPERTY OWNERS
Commercial Property Insurance for Owners and Landlords
Protect the buildings, rent, landlord assets and liability exposures attached to commercial property ownership.
Search intent
Property risk is more than the building value
Commercial property insurance should respond to the asset, the lease, the income stream and the owner’s legal responsibilities.
For commercial property owners, SMSF landlords and owner-occupiers reviewing building insurance.
Underinsurance
Rebuild values, professional fees, debris removal and code upgrades can leave old sums insured behind.
Loss of rent
A damaged premises can interrupt rental income even when repairs are underway.
Lease obligations
Leases can shift responsibilities between landlord and tenant, including glass, fit-out and liability obligations.
Cover structure
Commercial property sections we review
We tailor the policy to how the asset is owned, occupied, leased and financed.
Building and landlord fixtures
Cover for the commercial building, landlord fixtures, services and selected improvements.
Loss of rent
Rental income protection after insured property damage affects tenant occupation.
Property owner liability
Liability exposure arising from ownership, common areas and landlord responsibilities.
Catastrophe and reinstatement costs
Review of removal of debris, professional fees, escalation, flood, storm and other location-based exposures.
Who it helps
Commercial property clients we help
Broker process
How BOK reviews commercial property
Understand ownership and lease
We check who owns, occupies and is responsible for each part of the property risk.
Review sums insured
We discuss building values, rent exposure, outgoings, fees, debris removal and escalation.
Align insurer appetite
We present the property clearly to insurers, including construction, occupancy and risk improvements.
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Open pageFAQs
Common questions about commercial property
Does commercial property insurance cover tenants contents?
Usually no. Tenants normally insure their own contents and fit-out unless the lease or ownership structure says otherwise.
Can loss of rent be included?
Yes, loss of rent can usually be considered for landlords. We review the indemnity period and rental exposure.
What information do insurers need?
Common details include construction, year built, occupancy, rebuild value, claims history, fire protection, security and lease arrangements.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.