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Product and services

Commercial property insurance

Protect your business premises – and the contents you keep there – with commercial property cover arranged by Marsh.

Key product highlights

Building damage

Whether it’s due to fire, theft or a simple accident, we can arrange insurance to help cover damage to your business’s physical premises.

Contents and stock damage

When your business assets are damaged – like glass, stock or indoor fittings – this cover can help offer imbursement for repair and replacement.

Fire and insurable perils

When fire, storms and other catastrophic (but insurable) events strike, this cover can help your business survive them.

Accidental damage

Accidents can happen at any time – in many ways. This policy can help offer protection for sudden and/or unexpected property damage.


Theft may be calculated or petty. No matter the circumstance, it’s always a blow. This can help cover the loss of your contents and stock due to theft at your premises by forced entry.

Malicious damage

Sometimes damage is calculated and intentional. When windows are graffitied or walls are punched through, this policy can help.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Making it easy for SMEs

Our brokers will do the leg work to help you find the cover you need to run your business or secure the lease for your small or medium business.

Tailored advice

Our experts understand your business’s unique risks. They can help you find the most comprehensive cover that’s right for your business.

Your money, your policy

Getting you the most value is our priority. Whether you run a small business or a full-scale operation, we’ll tailor your policy to your needs.

Related insurance solutions

slected option

Business vehicle cover

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Business interruption

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Mechanic insurance

There’s no quick fix for financial losses. Get coverage for accidents, errors or negligence with insurance arranged by Marsh.

Craft breweries insurance

Damage, accidents and product recalls don’t have to halt your business. Let us arrange tailored cover to help keep things flowing.

Frequently asked questions

Does your business have physical premises? Even in today’s digital world, most businesses do.

If your stock, machinery or windows get damaged, it can severely hurt your ability to perform optimally – as well as your bottom line.

Commercial property insurance can offer a financial cushion in the event of theft, fire and accidental or malicious damage. All relevant risks for any business owner.

Most policies cover a breadth of business types and sizes – across industries and sectors. Regardless of the nature of your business, there’s a good chance you’ll be able to obtain cover.

For advice specific to your situation, please speak to your Marsh advisor.

We recommend you consider it.

Why? Imagine an insurable event happens to your business. A fire, storm, theft or burglary. Would you still be able to pay rent, utilities, staff wages and operating costs?

If not, business interruption insurance can help cover you. It provides protection for loss of income and increased operational costs caused by an insured event.

Most likely. Your operating licence should state whether you need public and product liability insurance.

Your suppliers and any third parties you do business with may require you to provide evidence of this insurance as part of various processes.

Those processes might be lease agreements, tender processes for contracts, or even credit line negotiations.

The cost of your commercial property insurance depends on a few factors. These can include the:

  • Size of your business and/or turnover

  • Size of your workforce

  • Type of business activities you carry out 

  • Property you want to insure 

  • Location you operate from.

Your insurer will also consider your fire and security protections, plus any claims history if you’ve had insurance before.

You can also obtain quotes that have a higher excess amount. This can provide some premium savings.

Discuss all these factors in-depth with your Marsh advisor.

LCPA 23/154

 Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.