Medical Centre Strata Insurance

Medical centre strata insurance covers the building structure, common property (waiting areas, corridors, car parks, shared amenities), public liability in common areas, and office bearers liability. It does not cover individual practitioner malpractice or medical equipment — those require separate professional indemnity and business insurance.

Medical tenancies can affect pricing depending on the specific services offered. General practice and allied health have minimal impact. Pathology, radiology, and dental surgery tenancies may increase premiums due to specialist equipment, chemical exposure, and building modification requirements. Pharmacy tenancies are generally straightforward.

No. Medical equipment belongs to individual practitioners or tenants and should be covered under their own business insurance. The strata policy covers the building shell and common property. However, shared building plant like HVAC and lifts can be covered under machinery breakdown.

Many medical centre strata buildings include a pharmacy, cafe, or allied health tenancies alongside GP practices. This creates a mixed-use profile that needs careful underwriting presentation. We have access to underwriters who can accommodate these tenancy combinations.

Medical centre buildings must comply with healthcare-specific building codes including infection control, clinical waste management, and radiation shielding for imaging suites. While the strata policy doesn't enforce compliance, underwriters assess building compliance when pricing the risk. Well-maintained, compliant buildings attract better terms.