Building Insurance in Australia
Protecting your commercial building is essential for keeping your business running smoothly. Whether you own, lease, or rent a property, the right Building Insurance safeguards you from structural damage, weather events, accidental incidents, and unexpected business disruptions.
SureInsure helps Australian businesses choose the right Building Insurance based on building type, location, and industry risk—ensuring you get complete, compliant, and cost-effective protection.
Why Building Insurance Matters
Australia faces extreme and unpredictable weather:
- Bushfires (VIC)
- Storms & cyclones (QLD)
- Flooding (NSW)
- Hail, lightning & seasonal weather events everywhere
Buildings are also exposed to risks like vandalism, tenant incidents, machinery impact, accidental damage and more.
Building Insurance helps you:
- Protect structural integrity
- Avoid expensive repairs
- Resume operations quickly
- Stay compliant with WHS and insurer requirements
What Building Insurance Covers
Typical cover includes:
✔ Structural Damage
Walls, roof, floors, ceilings, permanent fixtures and fit-outs.
✔ Fire, Storm, Flood & Natural Events
Bushfire, storms, hail, lightning, cyclone damage, and optional flood cover.
✔ Water Damage
Burst pipes, sudden leaks, accidental water overflow.
✔ Impact Damage
Vehicle impact, machinery collisions, falling trees.
✔ Malicious & Vandalism Damage
Break-ins, intentional destruction.
✔ Additional Costs
Demolition, debris removal, professional fees, and rebuilding to updated building codes.
What’s Not Covered
Most policies exclude:
- Wear & tear, mould, rust, ageing
- Poor maintenance
- Defective workmanship
- Unapproved renovations
- Intentional damage
- Flood in high-risk zones (unless added)
SureInsure identifies exclusions upfront and advises on optional upgrades where needed.
Who Needs Building Insurance?
Ideal for:
- Commercial property owners
- Landlords
- Industrial & warehouse owners
- Retail and hospitality premises
- Medical & professional offices
- Owner-occupied commercial buildings
- Property investors
If your business operates inside a structure, you need protection for that structure.
What Affects the premium of Building Insurance?
- Building type and usage
- Construction materials
- Age and condition of the building
- Location (flood, bushfire, cyclone zones)
- Security measures (CCTV, alarms, sprinklers)
- Replacement/rebuild cost
- Industry risk exposures
Building Insurance vs Landlord Insurance vs Business Property Insurance
Cover Type | Protects | Best For |
Building Insurance | Structure, walls, roof, fixtures | Owners, investors |
Landlord Insurance | Building + tenant damage + loss of rent | Commercial landlords |
Business Property Insurance | Contents, stock, machinery | Businesses occupying the building |
Before Lodging a Claim
To speed up approval:
- Take photos/videos
- Prevent further damage (if safe)
- Avoid repairs before approval
- Contact SureInsure immediately
- Provide quotes, invoices, reports
Why Choose SureInsure?
SureInsure is an Australian insurance advisory specialising in commercial property risks. We help you:
- Compare policies from leading insurers
- Understand exclusions and WHS requirements
- Avoid underinsurance
- Manage claims quickly and confidently
SureInsure simplifies the entire insurance process for you. We help you choose the right cover, explain what’s included and excluded, and make sure your building is fully protected without unnecessary costs. If a claim arises, we handle all communication with the insurer—lodging the claim, providing documentation, and following up until it’s resolved—so you can focus on running your business while we take care of the rest.
Get a Building Insurance Quote Today
Let SureInsure assess your risk profile and secure the most suitable cover at the right price.
Request your personalised Building Insurance quote now.
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