Commercial property insurance

Shopping Centre Insurance

A shopping centre is dozens of separate risks under one title: a food court full of ignition sources, a car park full of the public, lifts and travelators that stop the centre when they stop, and a rent roll that only partly survives a closure. We arrange programmes for neighbourhood strips through to sub-regional centres.

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Quick Quote

60 seconds

Your interest in the property

Approximate value to insure

Building, contents and fit-out combined. A ballpark is fine.

Insured Name

The company, trust or individual name on the title or lease.

Property state

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No obligation. Subject to eligibility and underwriting.

Cover

What shopping centres need covered

The Centre and Its Common Property

Malls, entries, amenities, car parks, travelators and the plant that runs them. Common property is where a centre's own exposure concentrates, because it is the part no tenant is responsible for and the part everybody uses.

Loss of Rent Across a Tenancy Mix

Damage rarely closes a whole centre, so the loss is partial and awkward to calculate: some tenancies keep trading, some cannot, and turnover rent moves with foot traffic. The indemnity period has to cover strip-out, approvals, re-fit and re-letting, not just the repair.

Public Liability at Scale

Thousands of people a day across floors you control: wet entries, car park ramps, trolley collisions, escalator injuries. Frequency is the defining feature of centre liability, and the limit should reflect footfall rather than floor area.

The Food Court Is the Fire Risk

Concentrated commercial cooking, shared exhaust ducting and grease build-up sit in the middle of the building. Insurers price against your duct-cleaning regime and suppression as closely as anything else in the centre.

Lifts, Escalators and HVAC

Machinery breakdown is not a luxury section here. A stalled travelator or a failed chiller in summer closes trade on a level within hours, and the resulting loss of rent can be elected alongside the repair cost.

Your Tenancy Mix Drives the Premium

A gym, a commercial kitchen and a battery retailer are different risks in identical shells. Tell us when tenancies turn over, because an undisclosed change of use is the kind of thing that surfaces at claim time.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

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Reviews are for Stonewell Insurance, the business behind Commercial Property Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Shopping centres insurance questions.

Speak with our team on 1300 080 323.

What insurance does a shopping centre need?

Building and common property cover for replacement value, loss of rent for the rent roll, and public liability sized to foot traffic. Most centres add machinery breakdown for lifts, escalators and HVAC, and glass. Centre management should also look at office bearers or management liability depending on the ownership structure.

Who insures the shop fit-outs, the centre or the tenants?

In a standard retail lease the centre insures the building and common property; each tenant insures their own fit-out, stock, glass and business interruption. Retail leases legislation also governs what can be recovered as an outgoing, so the split is worth confirming clause by clause.

Does the policy cover lost rent if only one tenancy is damaged?

Yes, that is exactly what loss of rent is for, and partial losses are the common case in a centre. The number that matters is the indemnity period: re-letting a damaged tenancy usually takes far longer than repairing it.

Is the car park covered?

The structure is covered as common property, and injuries or damage occurring there fall to your liability section. Car parks generate a disproportionate share of centre claims, which is why they get specific attention when we place the risk.

How much does shopping centre insurance cost?

There is no single price. It depends on construction and age, fire protection, the tenancy mix, foot traffic, the sum insured and rent roll, and claims history. We compare options across a panel of insurers and come back with terms for the centre.

Related property types

Retail & Shops Landlords Offices

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Ready to get shopping centres covered?

Tell us about the property in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

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).