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Commercial Strata

Commercial Strata Insurance provides cover for commercial buildings under a strata title, ranging from retail shops through to multi tenanted industrial sites.

Sourcing Strata Insurance policies for commercial, industrial and mixed tenancy strata buildings can be difficult due to the varying business activities of the occupants.

Buildings or lots that are deemed to be hazardous by insurers, such as manufacturers that use chemicals or plastics, need to be marketed to insurers or underwriting agencies that are experts in multi-occupancy properties as they have the ability to underwrite properties with occupants of varying professions.  

Whitbread’s dedicated Strata Insurance Brokers have a depth of knowledge and experience that enables them to assess and market your property to ensure you are comprehensively protected.

Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions.

Covered Features

  • Commercial Strata Building Replacement & Reinstatement

    Building Replacement & Reinstatement

    Provides cover for the building structure and any fixtures and fittings in Common Property areas.

  • Commercial Strata Public Liability

    Public Liability

    Covers the legal liability of the Owners Corporation. This does not insure the liability of the unit owner, except where liability relates to the Owners Corporation’s property or common contents.

  • Commercial Strata Common Contents

    Common Contents

    Covers appliances, equipment, furniture, fittings and works of art in any common area for which the Owners Corporation is responsible.

  • Commercial Strata Personal Accident for Voluntary Workers

    Personal Accident for Voluntary Workers

    Provides compensation to any person who voluntarily works on behalf of the Owners Corporation. The volunteer worker’s name must be recorded in the books of the Owners Corporation.

  • Commercial Strata Loss of Rent and/or Alternative Accommodation

    Loss of Rent and/or Alternative Accommodation

    If a unit becomes uninhabitable as a result of an insured peril, the unit owner can claim for loss of rent or alternative accommodation during the period that the premises are unfit for occupancy, based on the rental value of a unit.

  • Commercial Strata Fidelity Guarantee

    Fidelity Guarantee

    Protection for the Owners Corporation against fraudulent embezzlement or fraudulent misappropriation of the Owners Corporation’s funds and tangible assets.

  • Commercial Strata Office Bearers

    Office Bearers

    Protects the members of the committee where liability has arisen from an alleged or wrongful act, omission or breach of duty. Covers the liability and legal costs up to the sum insured. Fraudulent acts are not insured under this insurance policy. This is an optional cover and an additional premium will apply.

  • Commercial Strata Machinery Breakdown

    Machinery Breakdown

    Provides cover for sudden or unforeseen physical destruction/damage to machinery. This is an optional cover and an extra premium will apply.

  • Commercial Strata Catastrophe


    Provides an additional sum where the building is considered a total loss or partial loss due to catastrophe where a state of emergency is declared such as an earthquake, bushfire, tsunami or cyclone. NB: Coverage varies for this feature. Some insurers provide automatic catastrophe cover (e.g. 15% of building sum insured), while others will charge a premium to offer a selected percentage of the sum insured (e.g. 15% or 30%). Catastrophe cover is a specialised policy feature and should be discussed by the Owners Corporation if protection has not been purchased.

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The Whitbread Channel

business risk
Andrew Saville

The 2020 Allianz Risk Barometer identifies the 10 most prominent risks faced by businesses this year. How is your business managing these risks to reduce the potential impact on your strategic objectives? The advice and insurance solutions recommended by a specialist insurance broker can be a highly effective way to transfer risk.

Loss of rent
Lia de Sousa

Devastating bushfires plagued much of Eastern Australia last summer, before a deluge of rain arrived, causing severe flooding and widespread damage to an unprecedented number of properties - including residential strata.

In the aftermath of a flood, many depend on their insurance to help recoup losses. Sadly, stressful situations are often made worse when people discover their Strata Insurance policy does not cover damage as a result of flood.


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