Commercial landlord insurance in Australia

There is no answer to that question, and any page that gives one has made it up. OpenStream publishes no premium for any business cover, and no range, no "from" figure and no typical cost: business insurance is underwritten per risk from the trade, the turnover, the premises and the claims history, so there is no list price to read, and no Australian regulator publishes business premiums the way the Private Health Insurance Ombudsman publishes every open health policy's premium. What can be said, and is said on this page, is which covers Non-Residential Property Operators (ANZSIC class 6712) is required to hold and who requires them, each with its source and the day it was checked (3 November 2026).

Workers compensation insurance, once the business employs anyone: business.gov.au, the Australian Government's business information service states that "Employers must get workers compensation insurance from an authorised insurer" and that "The laws vary in each state and territory", checked on 3 November 2026. Beyond that, no Australian law requires any cover of this class; the rest is contractual or commercial.

Not by law. No Australian law requires public liability insurance of businesses generally, as stated by business.gov.au, the Australian Government's business information service, checked on 3 November 2026. For this class, because the ABS definition is the letting of premises rather than any activity inside them, the operator is the one who owns the thing the tenant's customers walk into, while the tenant is the one who runs the activity: who holds public liability cover for which part is set by the lease, and business.gov.au lists no law requiring the cover of businesses generally, qualifying it as needed by law only "for certain occupations" in some states and territories. For this class, the ABS definition - "renting or leasing non-residential properties" - does not say whether the property is strata titled, and a non-residential lot can be in a scheme: the NSW Government's strata guidance, which does not carve out non-residential schemes, states that "Strata insurance is mandatory in NSW" and that the scheme must have building, public liability and work health and safety insurance, with a minimum amount of public liability cover that page publishes and this one does not. Even there the cover is not required of this class: the duty is the owners corporation's, and an operator whose building is not in a scheme is reached by no law at all.

Not required by law or by any standard condition: the ABS defines this class as "renting or leasing non-residential properties", which means the building is not where the business happens - the building is the business: business.gov.au's building and contents cover is for "damage or loss from events including fire, storms or break-ins", and business interruption is the one that answers a tenancy that cannot be occupied, because it "pays your ongoing business costs if an insured event interrupts your business, such as a fire damaging your business property" - for this class those ongoing costs are a mortgage and the rent that stopped. No law requires either, as stated by business.gov.au, the Australian Government's business information service, checked on 3 November 2026.