Coverages: Strata - Community Association

A Community Association Plan refers to a subdivision of land where owners share common property and facilities, such as roads, utilities, swimming pools, or tennis courts. These associations can encompass large estates with standalone residential homes or mixed-use developments combining commercial, residential, and retail lots. Terminology varies across regions: in Western Australia, it's known as a Survey-Strata Scheme; in South Australia, a Community Corporation; in QLD, Standard Format Plan subdivisions

Coverages: Strata - Commercial

A Commercial Strata Plan pertains to strata-titled properties primarily used for commercial purposes, such as office buildings, shopping centres, or industrial estates. In Australia, legislation mandates that these properties maintain strata insurance to cover common areas like driveways, lifts, and stairwells against damage or destruction. Additionally, this insurance provides liability coverage for personal injuries related to the insured property.

Coverages: Building - Build to Rent Residential

Build-to-rent developments involve residential properties where all units are retained by a single owner, such as a developer or investment entity, and leased directly to tenants without individual sales. These properties are not registered as strata titles and do not have a body corporate.

Coverages: Strata - Residential

A Residential Strata Plan involves properties like apartments, units, villas, and townhouses where multiple owners share ownership of common areas such as driveways, lifts, and pools. In Australia, legislation typically requires these properties to maintain strata insurance, covering common property against events like theft, storms, water damage, fire, and accidental or malicious damage. Additionally, this insurance provides liability coverage for personal injuries related to the insured property. 

Coverages: Aviation

Agile Underwriting Services offers comprehensive Drone insurance policies designed to protect commercial drone operators against various risks, including accidental damage, storm damage, theft, and malicious acts. These policies provide liability coverage for claims arising from drone operations, ensuring operators are safeguarded against potential legal and financial liabilities. Agile's tailored solutions cater to the specific needs of drone professionals, offering peace of mind as they focus on their business operations. 

Coverages: Accident and Sickness

Coverages: Accident and Sickness

DUAL Australia's Individual Personal Accident (IPA) insurance offers tailored coverage for various occupations, providing financial protection against injuries or illnesses. The policy includes lump sum benefits for accidental death or permanent disability and weekly benefits for temporary total disablement due to injury or sickness, with payments extending up to 104 weeks. Designed for individuals up to 74 years old across 700 occupations.

Coverages: Accident and Sickness

DUAL Australia's Journey insurance safeguards employees commuting directly between their residence and workplace. It provides coverage for accidental death, disablement, and loss of income resulting from injuries sustained during these journeys. The policy offers additional benefits such as lump sum payments for fractured bones and dental injuries, funeral expenses, and return-to-work assistance. Optional extensions include recess cover and amended salary definitions.

Coverages: Accident and Sickness

DUAL Australia's Sports Group Personal Accident insurance provides comprehensive coverage for members of sports groups or associations during sanctioned activities. The policy offers financial protection against injuries sustained while participating in sports, ensuring peace of mind for both individuals and teams. With flexible options tailored to specific needs, it simplifies managing risks associated with sporting events.

Coverages: Cyber

Blue Zebra's cyber policy has been designed to meet the new and evolving threats facing Australian small and medium businesses. The policy covers the following:
- Third party liability
- Defence costs
- Event recovery costs
- Business interruption loss
- Cyber threat of extortion response costs
- Payment card industry data security standard fines

There is also optional cover available for criminal financial loss, including:
- Cyber theft
- Social engineering
- Customer phishing theft
- Telephone phreaking