Insurance + Risk Services

Commercial property investments may form a significant proportion of your income stream, or even feature as part of your superannuation plan. EngInsure’s advisers will work closely with you to tailor a suitable insurance solution that protects your property and helps to secure your finances for the future,

Regardless of your property type or tenant occupation, EngInsure can find a solution. With access to specialist insurance products not available directly to the general public, we are well practiced in placing cover for both basic property risks, as well as those that are more unusual.

Engaging an EngInsure adviser will help to ensure your Property Insurance solution accurately reflects the nature of your property risks, and that your insurance program aligns with your strategic goals for the future.

Please Note: 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

Accidental Damage to your property

Protection for physical loss or damage to your property during the period of insurance. If rented out, cover can include accidental damage or loss of contents caused by the tenant.

Theft of your fixtures, fittings and contents

Cover for the loss of your fixtures, fittings and contents as a result of theft, attempted theft, armed hold up or an actual or threatened assault. 'Theft of property insured in the open air' is an optional extra.

Loss of rent

Cover in the instance the premises become uninhabitable as a result of an insured physical loss or damage to the building.

Rent default

Provides cover in the situation where your tenant vacates the premises without notice, defaults in paying rent owed as indicated within the terms of the lease, or due to a tenant being legally evicted, during the period of the lease.

Glass

Coverage for glass breakage in instances where you own the glass, or where you are legally responsible for the glass.

Public Liability

Protection for your liability incurred as a result of negligence, actual or alleged, that has resulted in third party property damage or personal injury.

Machinery breakdown

Provides cover for sudden or unforeseen physical destruction / damage to machinery on your premises.