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Industrial warehouse complex with multiple strata-titled units

Industrial & Warehouse Strata Insurance

Strata cover for industrial complexes, warehouse units, and manufacturing facilities. We have access to underwriters with appetite for the tenancy types that mainstream markets often decline.

Market

Access

Lloyd's

Access

No

Referral Fees

Recognition

Industry Awards

Industrial strata is the hardest commercial strata class to place. Hazardous tenancies, heavy vehicle movements, and large building spans all limit insurer appetite and push premiums higher.

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Specialist Market Access

Most strata brokers focus on residential schemes and don't have the underwriter relationships needed for industrial risks. We work with specialist underwriters and Lloyd's for industrial strata that mainstream markets won't touch.

Risk Presentation

How an industrial strata risk is presented to underwriters makes a significant difference to pricing and appetite. We detail fire safety measures, building construction, and tenancy controls to secure the best available terms.

WHY TANK INSURANCE

How we help industrial strata schemes

Industrial strata needs a broker with access to specialist underwriting markets. We have access to underwriters and Lloyd's capacity for industrial schemes, including those that have been declined elsewhere.

Interior of industrial warehouse unit with high ceilings

01

Hazardous Tenancy Placement

Spray painters, welders, chemical storage, food manufacturing. We have access to underwriters with appetite for specific industrial activities and present them with the detail they need.

02

Lloyd's and Specialist Access

When the mainstream strata market declines, we access specialist underwriters and Lloyd's of London capacity through Australian agencies.

03

Fire Safety Focus

We highlight fire protection measures (sprinklers, fire walls, extraction systems) in our submissions because this is what industrial underwriters want to see.

04

Competitive Market Search

We placed cover for an 8-unit industrial scheme at 35% below the only other quote the committee had received. Access to the right underwriters delivers results.

RISK ASSESSMENT

Key Risks for Industrial Strata Complexes

Industrial strata buildings face the broadest range of risks in the commercial strata market. Understanding these helps ensure adequate coverage.

Fire and explosion from spray painting, welding, chemical storage, and manufacturing processes
Forklift and heavy vehicle impact damage to building structure, roller doors, and dock areas
Hazardous materials storage requiring specific underwriting disclosure and policy endorsements
Roof collapse from storm damage, particularly in large-span warehouse structures
Water damage from burst fire suppression systems, damaged pipework, and stormwater ingress
Electrical faults in high-load industrial switchboards and three-phase power systems
Contamination and pollution from industrial tenancies affecting neighbouring units
Theft and malicious damage in industrial parks with limited after-hours security

A single high-risk tenant can affect the insurability of an entire industrial strata scheme. Proper tenancy management and full disclosure are essential for maintaining competitive insurance terms.

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POLICY SCOPE

What Industrial Strata Insurance Covers

Industrial strata policies must address the specific risks of warehouse and manufacturing environments.

Exterior of industrial strata complex with roller doors and loading areas
Exterior of industrial strata complex with roller doors and loading areas

Usually Covered

✓ Building structure including warehouse shells, roller doors, and dock areas
✓ Common property: driveways, car parks, loading areas, fencing, and shared services
✓ Public liability for incidents in common areas and shared access ways
✓ Office bearers liability for committee decisions
✓ Fire damage including coverage for fire-wall penetrations between units
✓ Storm and natural disaster damage to large-span roof structures

Not Typically Covered

✕ Tenant machinery, equipment, and stock
✕ Tenant business interruption or loss of production
✕ Pollution and contamination (unless specifically endorsed)
✕ Wear and tear or building maintenance failures
✕ Individual tenant public liability (requires their own public liability)
✕ Intentional damage by the owners corporation or its officers

Industrial leases should clearly define insurance responsibilities for both the owners corporation and tenants. We can advise on appropriate insurance clauses.

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QUESTIONS

Industrial Strata Insurance FAQs

Industrial strata insurance covers the building structure (warehouses, factory units, roller doors), common property (driveways, loading areas, car parks, fencing), public liability in common areas, and office bearers liability. Optional covers include machinery breakdown and glass breakage.
Industrial tenancies often involve activities that increase fire, contamination, and liability risk. Spray painting, welding, chemical storage, and heavy machinery all affect underwriting appetite. Many mainstream strata underwriters won't quote industrial schemes, which is why specialist market access matters.
Tenancies involving flammable materials, spray booths, chemical processing, or waste handling significantly increase premiums and can limit insurer options. Full disclosure is critical. We present hazardous tenancies alongside the fire safety and risk management measures in place to secure the best available terms.
No. The strata policy covers the building structure and common property only. Individual tenants must insure their own machinery, equipment, stock, and business interruption under their own business insurance.
This happens more often than you'd expect. A single spray-painting or chemical storage tenant can cause mainstream underwriters to decline the entire scheme. We have access to specialist underwriters and Lloyd's capacity for industrial schemes with difficult tenancies. We also handle challenging placements for medical centres, mixed-use buildings, and retail centres. Proper risk presentation is key.
Industrial warehouse complex at dusk

Strata Cover for Industrial Schemes

From small unit complexes to large industrial parks. We have access to underwriters with appetite for the tenancies and building types that mainstream markets often decline.

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Expert Review: 20/02/2026

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