# Commercial Property Cover > Commercial property insurance for Australian property owners, landlords and occupiers: building, contents and stock, loss of rent, business interruption, property owners liability, glass, machinery breakdown and theft, across offices, warehouses, retail, factories, showrooms and strata schemes. Commercial Property Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987). ## About - A licensed Australian insurance broker, not an insurer. We compare a panel of 20+ insurers to place the right cover. - Located at 1930 Gold Coast Highway, Miami QLD 4220. Phone 1300 080 323. Email info@stonewellinsurance.com.au. - Rated 5.0 on Google across 250+ reviews (reviews are for Stonewell Insurance, the business behind Commercial Property Cover). - Hours: Mon–Fri, 8:30am–4:30pm AEST. Serves clients Australia-wide. ## What we arrange - Building & Structure — the building against insured events like fire, storm, impact and malicious damage, plus walls, car park, signage and permanent fixtures. - Contents, Stock & Fit-out — plant, machinery, stock and fit-out. A tenant's fit-out is usually the tenant's to insure. - Loss of Rent — for landlords: rental income lost while an insured event leaves the property untenantable. - Business Interruption — for occupiers: gross profit lost and increased cost of working while premises are repaired. - Property Owners Liability — third-party injury or damage claims arising from the property, plus legal defence costs. - Glass — shopfronts, internal glass, mirrors and glass signage, including boarding up and re-lettering. - Machinery Breakdown & Fusion — lifts, HVAC, refrigeration and electric motors that fail on their own. - Theft, Burglary & Vandalism — forced entry, theft of contents and stock, malicious damage and graffiti. ## Property types quoted Office, Retail / Shop, Shopping Centre, Warehouse, Factory, Showroom, Strata / Body Corporate, Mixed Use, Medical / Consulting, Childcare / Education, Self Storage, Something else. ## How it works 1. Tell us about the property: type, your interest in it, approximate value and location (about 60 seconds online). 2. Our licensed team sizes the sums insured and indemnity periods, then compares options across a panel of insurers. 3. We confirm your details and bind cover; the certificate of currency is issued during business hours. ## Tools - Rebuild cost calculator (https://commercialpropertycover.com.au/rebuild-cost-calculator) — works out the indicative reinstatement cost of a commercial building and shows what an average or co-insurance clause does to a claim when the sum insured falls short. A commercial property should be insured for the cost to REBUILD it today, not its market value or purchase price; the figure must include demolition and debris removal, professional fees, current-code compliance upgrades, external works, cost escalation over the rebuild period, and GST where the insured cannot recover it. Note that many policies already provide removal of debris, professional fees and current-code compliance as extensions or additional benefits — whether those sit inside the sum insured or on top of it, and what sub-limit applies, changes whether they belong in the figure, so the schedule has to be read. ## FAQ - What is commercial property insurance? Cover for a commercial building and its contents against insured events, plus the financial loss that follows (loss of rent for owners, business interruption for occupiers). - Who insures the building, the landlord or the tenant? Typically the landlord insures the building and recovers the premium as an outgoing; the tenant insures stock, contents, fit-out, glass and business interruption. The lease governs it. - How much should I insure for? The cost to rebuild today including demolition, debris removal, professional fees and code compliance — not market value. - Does it cover loss of rent? It can, for the indemnity period selected, when an insured event makes the property untenantable. - Is flood covered? Storm generally is; flood is usually an option priced on the property's flood rating, so the property's location decides which insurers we approach. - Do I need cover if my property is in a strata scheme? Yes, a smaller one: the strata policy covers the building and common property, not your fit-out, contents, loss of rent or your own liability. - Can I insure a vacant property? Often, but vacancy must be disclosed; most policies restrict cover beyond a set unoccupied period. - Do you sell insurance directly? No. We compare a panel of insurers on your behalf. ## Key pages - Home: https://commercialpropertycover.com.au/ - Property types: https://commercialpropertycover.com.au/property-types - Office buildings: https://commercialpropertycover.com.au/office-building-insurance - Warehouses: https://commercialpropertycover.com.au/warehouse-insurance - Retail and shops: https://commercialpropertycover.com.au/retail-shop-insurance - Factories: https://commercialpropertycover.com.au/factory-insurance - Commercial strata: https://commercialpropertycover.com.au/commercial-strata-insurance - Commercial landlords: https://commercialpropertycover.com.au/commercial-landlord-insurance - About: https://commercialpropertycover.com.au/about - Claims: https://commercialpropertycover.com.au/claims - Contact: https://commercialpropertycover.com.au/contact - Privacy: https://commercialpropertycover.com.au/privacy ## Full text - Complete site content in one markdown file: https://commercialpropertycover.com.au/llms-full.txt - Every page also serves a markdown rendition via content negotiation (`Accept: text/markdown`). ## Disclosure Any advice on this website is general advice only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you and read the relevant Product Disclosure Statement (PDS) before acting on it.