Norwest NSW
Fit-Out & Contents Insurance
When you take over a shop or office, the walls and roof belong to the landlord. Almost everything else you've spent money on belongs to you: the counters, the flooring, the lighting, the partitions, the cool room, the signage.
Fit-out and contents insurance covers that investment, along with the stock, furniture and equipment you keep in it.
What it can cover
- Counters, joinery, shelving and built-in fittings
- Flooring, ceilings, lighting and partitions you installed
- Signage and shopfront work
- Stock, furniture, equipment and computers
- Damage from fire, storm, water, theft and malicious damage
What to check
- Your lease. It will say who has to insure what, and sometimes asks for proof.
- Whether the sum insured reflects what the fit-out cost, not what you remember paying.
- Whether you've done upgrades since you first insured it.
Case study
An example
A dental clinic spends $180,000 fitting out a tenancy. A burst pipe in the unit above floods the ceiling and floor. The landlord's policy repairs the building, but the clinic's joinery, flooring and equipment are its own to replace. With fit-out and contents cover, they can claim for it.
Illustrative example only. Cover depends on your policy wording.
Contact us
To quote, we'll ask about:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Fit-out and contents insurance FAQs
Usually not. They insure the building. Check your lease to be sure.
Tell us. The sum insured should be updated whenever the fit-out changes.
Cover generally ends when you leave. Tell us before a move so we can look at the next site.