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What we cover

Business Assets Insurance:
Protecting your "stuff"

Property, Building & Contents

The Lowdown

Whether you own the building or just the gear inside, this is about protecting your physical world. If a fire breaks out or a thief breaks in, we help pay to repair the walls or replace the inventory so you can reopen your doors fast.
Property, Building & Contents

What it protects against

Fire, storm damage, theft, and accidental damage to your premises or stock.

Who Needs It

FAQs

I rent my office—isn't the building covered by the landlord?

The walls are theirs, but the everything else is yours. Your fit-out, your computers, your desks, and your stock aren’t covered by the landlord’s policy. You need your own “Contents” cover to protect your gear.

Standard contents usually cover things inside the building. If you’re a roamer, you’ll want to add “General Property” (portable gear) cover to make sure your kit is protected everywhere.

Proof that we’ve got your back.

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© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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