Tailored Insurance Solutions for Commercial Property & Real Estate Businesses

From commercial property owners and strata schemes to developers, agencies, and valuers, we search the market on your behalf to arrange insurance for your buildings, your business, and your professional advice. For commercial property and real estate businesses, the insurance we often place includes:

Commercial Property

Covers buildings, contents, fit-out and loss of rent if a property event damages the premises or interrupts income. For owners, managers and occupiers, this is the core cover protecting the physical asset.

Commercial Property

Covers buildings, contents, fit-out and loss of rent if a property event damages the premises or interrupts income. For owners, managers and occupiers, this is the core cover protecting the physical asset.

Strata & Body Corporate

Covers shared property, common areas, building assets and body corporate exposures for strata-titled or community-titled properties. It is designed for the specific governance and ownership structure of strata properties.

Strata & Body Corporate

Covers shared property, common areas, building assets and body corporate exposures for strata-titled or community-titled properties. It is designed for the specific governance and ownership structure of strata properties.

Public & Products Liability

Responds to third-party injury or property damage claims connected to your premises or operations, including tenants, visitors, contractors and members of the public moving through the property.

Public & Products Liability

Responds to third-party injury or property damage claims connected to your premises or operations, including tenants, visitors, contractors and members of the public moving through the property.

Professional Indemnity

Relevant for property managers, real estate professionals and consultants providing advice or services. It responds to claims alleging financial loss caused by negligent advice, management or professional services.

Professional Indemnity

Relevant for property managers, real estate professionals and consultants providing advice or services. It responds to claims alleging financial loss caused by negligent advice, management or professional services.

Management Liability

Running a property business, body corporate, or development entity with directors, staff, or contractors creates directors and officers, employment practices, liability, and crime exposures that a management liability policy bundles into one place.

Management Liability

Running a property business, body corporate, or development entity with directors, staff, or contractors creates directors and officers, employment practices, liability, and crime exposures that a management liability policy bundles into one place.

Directors & Officers (D&O)

Directors of a property development, real estate agency, or body corporate committee can be held personally liable for decisions made on the entity’s behalf. D&O insurance responds to claims against individual directors and officers arising from their management of the business.

Directors & Officers (D&O)

Directors of a property development, real estate agency, or body corporate committee can be held personally liable for decisions made on the entity’s behalf. D&O insurance responds to claims against individual directors and officers arising from their management of the business.

Commercial Drone Insurance

Drones are often used for property marketing, site inspections, and construction progress monitoring across real estate and development. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of the business.

Commercial Drone Insurance

Drones are often used for property marketing, site inspections, and construction progress monitoring across real estate and development. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of the business.

Workers Compensation

Workers compensation insurance is a statutory requirement in every state for anyone you employ, from property managers and leasing staff to maintenance and facilities teams. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Workers Compensation

Workers compensation insurance is a statutory requirement in every state for anyone you employ, from property managers and leasing staff to maintenance and facilities teams. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the building — it can stop rental income or disrupt a commercial tenant’s ability to operate. Business interruption insurance responds to loss of income and ongoing fixed costs while you recover.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the building — it can stop rental income or disrupt a commercial tenant’s ability to operate. Business interruption insurance responds to loss of income and ongoing fixed costs while you recover.

Liability

Fines and penalties arising under legislation — such as environmental or building regulations — can apply to a property owner, developer, or manager regardless of intent. This insurance responds to defence costs and, where insurable, the financial consequences of regulatory action.

Liability

Fines and penalties arising under legislation — such as environmental or building regulations — can apply to a property owner, developer, or manager regardless of intent. This insurance responds to defence costs and, where insurable, the financial consequences of regulatory action.

Cyber Insurance

Real estate agencies and property managers hold tenant, owner, and buyer personal and financial information across trust accounts, CRM, and listing platforms. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Cyber Insurance

Real estate agencies and property managers hold tenant, owner, and buyer personal and financial information across trust accounts, CRM, and listing platforms. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Environmental Liability

Contamination on a development site, or pollution arising from a managed property, can give rise to environmental liability that standard property and liability insurance doesn’t always respond to. Environmental liability insurance covers the cost of clean-up and third-party claims arising from pollution events.

Environmental Liability

Contamination on a development site, or pollution arising from a managed property, can give rise to environmental liability that standard property and liability insurance doesn’t always respond to. Environmental liability insurance covers the cost of clean-up and third-party claims arising from pollution events.

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A strategic check of your current insurance against where your business stands today. No cost, no obligation.

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Send through the insurance you’re ready to arrange and we’ll come back with the next steps.

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Why Commercial Property & Real Estate Businesses Choose Polaris

We don’t sell insurance. We solve problems.
Access to Multiple Insurers

We compare policies across a panel of Australian and international insurers to find insurance suited to your property or real estate business and its risk profile.

Market Conditions, Tracked for You

Commercial insurance pricing moves with the market. We monitor it on your behalf and tell you honestly whether now is the time to review your insurance or hold.

Sector Specialists

We understand that property ownership, strata management, development, and real estate advice each carry distinct exposure — and we build insurance around the combination that applies to you, not a generic property template.

Full Claims Support

When something goes wrong, we manage your claim from lodgement to settlement. You deal with us, not the insurer — one point of contact, start to finish.

Choose your next step:

Choose your next step:

Request a Review

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FAQ

Top common questions asked about commercial property & real estate insurance

Top common questions asked about commercial property & real estate insurance

What insurance does a property or real estate business need?
Is Strata & Body Corporate Insurance compulsory?
Do real estate agents and property managers need Professional Indemnity Insurance?
What’s the difference between Public & Products Liability and Professional Indemnity for a property business?
What’s different about working with a broker instead of going direct to an insurer for property and real estate insurance?

Your Portfolio, Your Tenants and Your Obligations Change. Has Your Insurance Kept Up?

Your Portfolio, Your Tenants and Your Obligations Change. Has Your Insurance Kept Up?

A strategic check of your current insurance against where your business stands today. No cost, no obligation.

Request a Risk & Insurance Review →

Request a Risk & Insurance Review →

No cost. No obligation.

No cost. No obligation.

Already know what you need?

Already know what you need?

Commercial Property, Strata & Body Corporate, Professional Indemnity or any cover above?

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

LEGALS

Company

HEAD OFFICE

Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

LEGALS

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.