Commercial Tenant Insurance

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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

Many commercial property tenants are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Commercial Property Tenants can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Commercial Tenant Insurance ANSWERED:*

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.
  • Glass
  • Racking, fixture and fittings that you may be responsible for per your lease agreement
  • Fire and perils

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

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

Every commercial tenant insurance policy is different. 

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 interruptionmachinery breakdownstock 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.

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

Want guidance on Commercial Tenant Insurance coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
Get in Touch:*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.