Your business premises and assets are a significant investment. Whether you own, lease or operate from a commercial property, damage to your building or contents can have serious financial consequences. Commercial Property Insurance is designed to help protect your property and physical assets against a range of insured events.

At Rivergum Insurance Brokers, we arrange Commercial Property Insurance that’s tailored to the way your property is used, not just how it looks on paper.

What Is Commercial Property Insurance?

Commercial Property Insurance provides cover for buildings and business property used for commercial purposes. This can include offices, retail shops, warehouses, factories and mixed-use properties.

Policies are structured around how the property is occupied — whether it’s owner-occupied, leased to tenants, or a combination of both — and the specific risks associated with the building and its use.

What Can Be Covered?

Commercial Property Insurance can be arranged to cover a range of assets and exposures, including:

Buildings

Cover for the structure of the building against insured events such as fire, storm, impact, theft and vandalism. This may include fixed fittings, plant and equipment, and common areas.

Contents & Assets

Cover for business contents within the property, including fixtures, fittings, equipment and stock (where applicable).

Loss of Rent or Business Interruption

If your property becomes untenantable due to an insured event, cover can help protect:

• Lost rental income (for landlords), or

• Loss of business income and ongoing expenses (for owner-occupiers)

Glass & Signage

Cover for internal and external glass, shopfronts and fixed signage.

Optional Additional Covers

Depending on the property and its use, additional cover options may include:

• Machinery or equipment breakdown

• Property owner’s liability

• Environmental or contamination risks

• Theft and money

• Flood or other specific perils (subject to underwriting)

Why Commercial Property Insurance Is Important

Protects a Major Asset

Commercial buildings and contents are often among the most valuable assets a business or investor owns.

Supports Business Continuity

Cover for interruption or loss of rent can help maintain cash flow following an insured loss.

Manages Liability Exposure

Property owners may face liability if someone is injured on their premises.

Customised to the Property

Each policy is structured to reflect the building’s construction, occupancy and risk profile.

What’s Not Automatically Covered?

Commercial Property policies vary, but some risks are typically excluded or require specific consideration, including:

• Gradual wear and tear or poor maintenance

• Certain flood or natural catastrophe exposures

• Uninsured tenant activities

• Underinsurance due to incorrect property valuations

We’ll help you understand these areas and address them where appropriate.

Who Should Consider Commercial Property Insurance?

Commercial Property Insurance is relevant for:

• Property owners and investors

• Owner-occupiers

• Landlords leasing to commercial tenants

• Businesses responsible for building insurance under a lease

If you have a financial interest in a commercial building or its contents, appropriate cover is essential.

Why Arrange Commercial Property Insurance Through Rivergum?

Commercial property risks can be complex. As brokers, we:

• Review how the property is constructed and used

• Consider tenant activities and lease obligations

• Ensure sums insured reflect realistic rebuild costs

• Compare policies from specialist insurers

• Provide claims support when you need it

Our approach is to reduce surprises at claim time by getting the structure right from the outset.

Speak With Us

If you’d like to arrange or review Commercial Property Insurance, we’re happy to help.

Contact Rivergum Insurance Brokers to discuss your property, your obligations, and your risk exposure.