Commercial Property Insurance

商业地产保险是由一系列险种组成的旨在为业主提供财产保护或责任风险控制的综合保单。它属于商业保险，可以灵活选择合适的条款来为您的业务提供恰当的保护。您所拥有的商业地产需要承保的范围可能包括财产损失，机械故障，职业安全与健康的法律责任和公众责任风险。

Commercial property insurance is a broad term for a series of policies that provides owners either property protection coverage or liability coverage. It comes under Business Insurance, which is flexible and can be easily customised to fully protect your business. The coverage of your own commercial property may need to include material damage, machinery breakdown, OHS legal costs and commercial liability exposure.

如果您需要以合理的价格获得正确的综合商业保险单，请联系Collins保险服务团队，我们将为您评估必要的承保范围，并提供符合您保险需求的解决方案。

Are you looking for the right insurance cover at a reasonable price?

Contact the Collins Insurance Services team. We’ll take the time to assess the cover you need and deliver insurance solutions that are tailored to your individual insurance requirements.

手机Mobile：（+61）468 377 473

电子邮件Email：colin.jong@naswg.com.au

微信WeChat：Collins-services

微信二维码WeChat QR code：

Collins Insurance Services

作为商业财产所有者，您需要考虑承保的因素包括但不限于物业，业务中断，人身意外和疾病和玻璃设备等等。

以下为您提供关于这些因素的部分险种解释，欢迎阅读：

What kind of coverage might you need as a commercial property owner? We have provided a summary for you here:

物业险

承保您的营业场所，以防因火灾，风暴等自然灾害或者恶意损坏等意外事件而导致建筑物，内部物件，库存，工具和设备的损坏。

Property

Covers your business premises for damage to buildings, contents, stock, tools and equipment caused by fire, natural perils like storms, and/or malicious damage.

便携式财产/可携带财产险

为您随身携带或存放在远离主要营业场所的地点的被保险财产受到的损失，损坏或盗窃提供保障。这些被保财产包括：平板电脑，相机等。

Portable property

Covers you for loss, damage or burglary for the insured property (e.g. tools) you take on the road with you or store at a worksite away from your main premises.

业务中断险

如果您的业务因保单中的物业问题而中断，业务中断险将能够减少或者免除您的营业损失。

Business interruption

Covers a shortfall in your gross profit if your business is interrupted by an incident covered in Property.

人身意外和疾病险

在发生某些人身伤害，事故或疾病的情况下，该险种将能够提供每周一次的补偿。

Personal accident and illness

Provides a weekly benefit in the event of certain injuries, accidents or illnesses.

公共责任险

保护您的生意免于因工作而对个人或其财产造成的意外伤害或损害的索赔。

Public liability

Protects your business against claims for accidental damage or injury caused to an individual or their property as a result of your work.

请务必与我们经验丰富的经纪人进行联系，以便他们可以为您提供更全面的建议。

商业保险单非常复杂，根据您的产业设施，用途需要选择不同类型的险种配置，如有差错，可能给您和您的企业带来一定的后果。

Insurance policies can be complex and misleading, causing trouble to you and your business. It will have adverse impact on your business if you get it wrong. Speak to one of our qualified and experienced brokers so they can advise you on what level of cover you require.