Smart Business Insurance
Level 11, 484 St Kilda Road Melbourne, VIC3004
$ Phone: 1300 542 573

1300 542 573

TALK to a SMART Business Insurance adviser

What is commercial tenant insurance?*

A commercial lease will typically require the commercial property tenant to maintain insurance that protects :

  • the landlords investment in the commercial property
  • the landlord from any liabilities that may arise while the commercial property is tenanted

What commercial tenant insurance covers?*

Landlords will typically require the commercial tenant to obtain insurance for the property and name the landlord as an interested party on the policy, or the landlord may arrange the commercial property insurance and require the tenant to pay for the policy .

Commercial tenant insurance typically may cover:

  • The building space or commercial property that is rented or tenanted
  • Public liability – may protect the tenant if they cause harm to a third party such as death or personal injury. $10 or $20 million cover is typically required.
  • Loss of rent as a result of damage to the property
  • Glass
  • Racking, fixture and fittings
  • Fire and perils

Both accidental and intended damage may be covered by a suitable commercial tenant insurance policy.

What type of properties and buildings are covered under commercial tenant insurance?

Commercial tenant insurance may be able to protect a range of different types of tenanted commercial property including:

What are the requirements for Commercial tenant insurance?*

Every commercial tenant insurance policy is different. For example, not all polices automatically include some of the above covers, and as a business owner , you may need additional covers.

Firstly, if you are a commercial tenant you need to ensure that at the very least your policy covers your for your obligations under your lease.

Secondly, as a commercial tenant and business owner you may want to be comfortable that your policy covers you for things that are important to you in running your business. For example, you may want to consider business interruption, machinery breakdown, stock and contents so that you can stay in business if there.

Trying to work out what commercial tenant insurance you need?

We may be able to assist.

Wherever you are in Australia when you contact SMART business insurance, your friendly business insurance broker may be able to help answer your questions and find you suitable and affordable commercial tenant insurance.

Commercial Tenant Insurance quotes

TALK to a SMART Business Insurance broker on 1300 542 573 or email us at for suitable and affordable commercial tenant insurance quote.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST

*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART broker on 1300 542 573 for more information.