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Commercial Property Owners Insurance - CGU Padlock

Make sure your commercial property is properly protected with CGU Padlock. This ideal all-in-one policy offers comprehensive cover for commercial properties with values of up to $200 million, including material damage, machinery breakdown, OHS legal costs and commercial liability exposure.

This policy can be tailored to suit your individual insurance requirements, so you only pay for the cover you need, regardless of the size or type of your property. Lock and insure your commercial property with CGU Padlock today.

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Already have CGU Padlock and need to make a claim? Our claims section will point you in the right direction.


CGU commercial property insuranceEvery eligible business will receive a Sum Insured Health Check – a free desktop estimate of properties insured under the CGU Padlock policy.




Key Features

  • Loss of income cover, including tenant rent and other sources of income
  • Choice of liability insurance cover amount
  • Up to $100,000 for OHS legal costs
  • Up to $5,000 tax audit cover
  • Glass damage repair
  • Up to $50,000 for claims preparation costs
  • Up to $350,000 for extra cost of re-instatement
  • Cover for general theft (no sub limit) and money theft (up to $50,000)
  • Machinery and electronic equipment breakdown
  • Material or equipment damage to commercial property (no sub limit for accidental damage)
  • Optional cover for rent default
  • Up to $25,000 for accountant fees
  • Up to $10,000 for theft in open air
  • Additional benefit of $100,000 for removal of debris, if sum insured is exhausted


More Information

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Insurance issued by CGU Insurance Ltd AFSL 238291. This website contains general advice only and doesn't take into account what you currently have, want and need for your personal circumstances. It is important for you to consider these matters and read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS that may apply (which are all available on this website) before you make a decision about an insurance product.

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