Commercial Strata Insurance

Commercial strata insurance protects business properties offices, warehouses, retail, and industrial sites where risks and costs run high. Gold Strata helps owners and body corporates secure cover that safeguards assets and keeps business running.

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What Commercial Strata Insurance Covers 

Building Cover

Covers permanent fixtures including roofs, walls, balconies, carports, fences, and lifts.

Common Area Contents

Covers shared furniture, carpets, décor, and appliances in lobbies and lounges.

Loss of Rent & Accommodation

Covers lost rent and temporary housing if a property becomes uninhabitable.

Public Liability

Covers owners if someone is injured or property is damaged in shared spaces.

Save on Strata Insurance Premiums

Discover how factors like building valuations, optional coverages, excess options and choice of insurer can reduce your costs while maintaining the protection you need.

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FAQ’s

It typically covers the building structure, common property, shared facilities, and public liability. Optional extras can include machinery breakdown, flood, and catastrophe cover.

Commercial strata is designed for business premises like offices, warehouses, and retail shops. The risks are usually higher, and policies are tailored to cover business-specific exposures.

Yes. By law, body corporates must hold strata insurance for common property, but the level of cover and inclusions can vary widely between policies.

The cost is shared among property owners within the strata scheme, usually through body corporate levies.

A broker like Gold Strata compares insurers, negotiates terms, and ensures cover fits your property’s unique risks—saving you time, money, and stress.