Coverages: Landlords

CHU's Landlord Insurance is tailored for property investors renting out strata units, apartments, villas, or townhouses. It offers coverage for landlords' contents within the unit, such as appliances and furniture, against accidental loss or damage. Additionally, it protects against rental-specific risks like loss of rental income due to tenant departure or default, tenant-caused damage, and liability for injuries occurring within the rented unit.

Coverages: Contents

CHU's Contents Insurance for Strata offers comprehensive coverage for residents of apartments, units, villas, and townhouses, safeguarding personal belongings like clothing, electronics, furniture, and jewellery against risks such as theft, accidental or malicious damage, water damage, fire, and storms. The policy also includes legal liability protection, ensuring financial security in unforeseen circumstances.

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: 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: General Liability | Product Liability | Public Liability

ProRisk’s Public and Products Liability is an essential insurance product for Australian small businesses. Also referred to as Broadform Liability or General Liability, it provides coverage for personal injury or property damage and helps protect your legal liability to third parties in the operation of your business.

Coverages: Environmental Liability

SUA's Environmental Impairment Liability insurance offers coverage for businesses against liabilities arising from pollution events and environmental damage. This policy is designed to address risks associated with environmental incidents, providing financial protection and support for remediation efforts. For detailed information on coverage options and policy features, please contact SUA directly. 

Coverages: Equipment Breakdown | Financial Loss | Product Liability | Property Damage | Public Liability | Third-Party Damage

UAA’s Industrial Special Plant (ISP) insurance offers a comprehensive package with seven key cover options tailored for mobile plant and equipment. Safeguarding assets from tools to cranes, it provides protection for owned and hired-in machinery, mechanical breakdown, road risk, and broadform liability. With automatic benefits like Market Value Plus and Multiple Crane Operation, and optional extensions, the policy offers flexible solutions for diverse business needs.

Coverages: Professional Indemnity

Woodina’s Professional Indemnity Insurance for Real Estate Agents provides tailored protection against claims of negligence, errors, or omissions in property sales, management, and leasing services. Covering legal defence costs and compensation, the policy ensures agents are financially protected from civil liabilities. With limits up to $10 million per claim, it supports real estate professionals in delivering trusted, compliant services with peace of mind. 

Coverages: Commercial General Liability

Woodina's General Liability Insurance safeguards businesses against legal liabilities, including defense costs, arising from third-party injuries or property damage during service provision. Coverage extends to incidents occurring both on business premises and external locations. Product Liability is typically included, covering claims from bodily injury or property damage due to product failures. This comprehensive policy ensures businesses operate confidently, protected against unforeseen liabilities. 

Coverages: Professional Indemnity

Woodina’s Excess Layer Insurance provides additional Professional Indemnity coverage above primary policy limits, offering extra protection for professionals exposed to high-value risks. Ideal for those in complex or high-stakes fields, it covers legal defence costs and compensation beyond standard limits. With flexible top-up options, this policy ensures professionals maintain strong financial protection and peace of mind against large or unexpected liability claims.