Commercial Insurance Replacement Cost Valuations 

Professional Cost Estimates for Commercial Properties 

We provide accurate, independent Insurance Cost Estimates for a wide range of commercial property types — from suburban retail assets and office buildings to industrial warehouses, mixed-use developments, and hospitality venues.

Our reports are tailored to meet the needs of owners, fund managers, brokers, and insurers who demand precise, defensible data to guide insurance decisions and protect against financial risk.

Why Commercial Properties Need Expert Insurance Valuations

• Complex Construction = Complex Costs
  Commercial buildings often feature lifts, loading docks, HVAC, fire systems, and other infrastructure that significantly affect replacement cost.

• Compliance Risk
  Failing to maintain an accurate, up-to-date cost estimate could breach insurance policy conditions or trustee obligations.

• Escalation Pressures
  Construction and material costs are increasing. We account for projected cost escalation, lead times, and rebuild delays — so your insured value keeps pace with reality.

• Specialised Inclusions
  We capture allowances for professional fees, demolition, compliance upgrades, and commercial-specific risk factors like plant rooms, cool rooms, and energy systems.

Property Types We Cover

• Retail assets – shopping centres, strip shops, service stations

• Office buildings – single and multi-tenant commercial offices

• Industrial and logistics – warehouses, factories, storage sites

• Mixed-use developments – commercial/residential strata

• Health, aged care & education – medical suites, day surgeries, childcare

What’s Included in a Commercial Report?

• Building construction summary & services description

• Site inspection 

• Reinstatement or replacement cost estimate

• Cost breakdown: base construction, demolition, fees, escalation, and GST

• Detailed assumptions and exclusions

• Compliance with API ANZVGP 104 – Insurance Cost Estimates (2025)

Trusted by Commercial Owners and Professionals

We work with:

• Institutional investors & property funds

• Insurance brokers & underwriters

• Facility and asset managers

• Developers and corporate landlords

• Commercial real estate agents