Business Insurance Solutions
Business Insurance Business Interruption Construction Cyber D&O / Management Liability Design & Construct IT Liability Liability Marine Liability Marine Transit Medical Malpractice Motor Commercial & Fleet Plant Equipment & Machinery Professional Indemnity Property Owner Tools
View All Business Cover
Personal Insurance Solutions
Boat Insurance Collectibles & Valuables Hobby Farm Home & Contents Landlords Motor & Motorcycle Personal Accident & Illness Residential Strata
View All Personal Cover
Our Services Start Quote

Commercial Strata Insurance for Shared Commercial Properties

Specialist protection for strata-titled commercial buildings, covering shared property, liability risks and collective ownership obligations.

  • Covers building and common property assets
  • Public liability protection for shared areas
  • Structured for commercial strata complexes
  • Access to Australia’s leading strata insurers
Get My Commercial Strata Insurance Quote

Request a Commercial Strata Insurance Quote

No obligation. Cover structured to suit your strata scheme and ownership obligations.

By submitting this form, you consent to Seguro Insurance collecting and using your personal information to respond to your enquiry, in accordance with repX's Privacy Policy.

Australian insurance brokers
Experience with commercial strata schemes
Access to specialist strata insurers
Understanding Your Cover

What Is Commercial Strata Insurance?

Commercial Strata Insurance provides tailored coverage for strata-titled commercial properties, protecting the building structure, common property and shared liability risks.

Unlike standard commercial property insurance, strata insurance recognises the collective responsibility of multiple owners and covers shared facilities such as foyers, lifts, corridors, car parks and building services. This insurance ensures all owners within the strata scheme are protected against unexpected events and disputes over insurance responsibilities.

Is This For You?

Who Commercial Strata Insurance Is For

Commercial Strata Insurance is commonly arranged by:

Commercial office buildings
Retail and mixed-use strata developments
Industrial strata complexes
Business parks and warehouse strata
Owners corporations and body corporates
Strata managers and property managers
Note: If your property operates under a commercial strata title structure, specialised strata insurance is typically required under state legislation.
Cover Options

What Does Commercial Strata Insurance Typically Cover?

Building & Common Property

Covers the physical structure and shared facilities, including walls, roofs, lifts, foyers and corridors, against insured events such as fire, storm, impact and malicious damage.

Public & Products Liability

Covers injury or property damage claims arising from common property areas involving tenants, staff, contractors or visitors.

Office & Business Contents (Common Areas)

Covers landlord-owned fixtures, fittings and equipment located within common property areas.

Loss of Rental Income or Additional Expenses

Covers financial loss or additional costs arising from insured damage that affects tenant operations.

Beyond the Basics

Additional Covers & Policy Extensions

Policy Options

How Commercial Strata Insurance Is Structured

1

Policy Structure

Commercial Strata Insurance is arranged as an annual policy covering the entire building and common property under a single program.

$

Key Features

Sums insured are set at full replacement cost for the building and common areas. Liability limits reflect tenant mix and public access. Policies are managed by the owners corporation or strata committee, with claims handled and shared across all lot owners.

Why It Matters

Tailored commercial strata solutions

Protects collective investment in shared assets

Reduces financial exposure for individual owners

Covers liability risks from public access areas

Often required by lenders, leases and regulations

Minimises disputes between owners over insurance responsibilities

Protect Your Strata Property and Owners

Speak with a broker experienced in commercial strata risk.

Get My Commercial Strata Insurance Quote

Important: Commercial Strata Insurance does not automatically cover tenant-owned contents, individual business equipment, wear and tear or maintenance-related damage. Flood and earthquake typically require specific endorsement. Coverage, limits and exclusions vary between insurers. Advice from a Seguro insurance broker is recommended to ensure alignment with strata structure, asset values and tenant obligations.

FAQ's

It insures the building structure, common property and shared liability risks for strata-titled commercial properties.
In most states, strata schemes are legally required to hold building and liability insurance.
No. Tenants and owners must insure their own contents and business equipment separately.
It is typically arranged by the owners corporation or strata manager on behalf of all owners.
Loss of rental income can be included where insured damage affects tenant occupancy.
Yes, common property plant and equipment are typically covered, subject to policy terms.
If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.
Flood usually requires a specific endorsement and underwriting approval.
Limits depend on public access, tenant activities and lease obligations.
Some policies include limited cover for legal expenses relating to insured strata disputes.
A broker ensures correct replacement values, compliance with strata law and alignment with tenant obligations.
Get My Commercial Strata Insurance Quote