Strata insuranceStrata insurance for buildings with defects
Providers that publicly state they consider buildings with known defects appear first. The rest are shown because nothing in their recorded rules puts such a building outside their product — which is not the same as saying they will cover it. In every case, a provider agreeing to consider the building does not mean the defect, the cladding or the remediation work is covered.
Providers to review
These providers meet the filters used for this type of insurance.
CHU
Underwriting agency · Australia-wide
Who they work withResidential strata schemes, Mainly residential mixed-use schemes, Self-managed schemes, Strata managers and brokers
Cover areasBuilding and common-area contentsLegal liabilityTemporary accommodation and loss of rentVoluntary workersOffice bearers' liabilityFidelity and cyberOptional machinery and catastrophe cover
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
CHU Underwriting Agencies acts for QBE Insurance (Australia) Limited. Its residential strata product can be approached directly or through an intermediary.
CHU (commercial)
Underwriting agency · Australia-wide
Who they work withCommercial strata schemes, Mixed-use schemes at or above 20% commercial floor area, Industrial strata schemes, subject to tenancy review, Self-managed schemes, strata managers and brokers
Cover areasBuilding and common-area contentsLegal liabilityTemporary accommodation, rent and storageVoluntary workersOffice bearers' liabilityOptional machinery and catastrophe cover
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
CHU Underwriting Agencies acts for QBE Insurance (Australia) Limited. Its commercial product is for commercial strata and mixed-use schemes with at least 20% commercial floor area.
Hutch Underwriting
Underwriting agency · New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, ACT
Who they work withResidential strata schemes, Schemes with up to 20% commercial use, Brokers using supported placement platforms
Cover areasPropertyLegal liabilityVoluntary workersFidelityOffice bearersMachinery breakdownCyber
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Hutch Underwriting is an authorised representative of CoverRadar Group. Its residential strata product is distributed through insurance brokers and supported broker platforms.
Hutch Underwriting (commercial)
Underwriting agency · New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, ACT
Who they work withCommercial strata schemes, Mixed-use schemes at or above 20% commercial floor area, Brokers using supported placement platforms
Cover areasPropertyLegal liabilityVoluntary workersFidelityOffice bearersMachinery breakdownCyber
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Hutch Underwriting is an authorised representative of CoverRadar Group. Its commercial strata product launched in 2026 and is distributed through insurance brokers.
Rubix Underwriting
Underwriting agency · Australia-wide
Who they work withResidential and mixed-use strata, Commercial and industrial strata, Buildings with known defects, Buildings with ACP or other cladding concerns, Hard-to-place risks
Cover areasResidential strata propertyMixed-use strata propertyCommercial and industrial strata propertySpecialist review for defects and cladding
Why this provider is shownRubix states that it considers strata buildings with known defects, subject to specialist review. This is not confirmation that the defect or its repair is covered.
About this provider
Rubix is a broker-exclusive underwriting agency backed by certain Underwriters at Lloyd's. It considers residential, mixed-use, commercial and industrial strata, including some hard-to-place buildings.
Strata Community Insurance
Underwriting agency · Australia-wide
Who they work withResidential strata schemes, Mixed-use schemes, Self-managed schemes, Strata managers and brokers
Cover areasInsured property and common contentsLegal liabilityTemporary accommodation and loss of rentVoluntary workersFidelity and office bearersMachinery and catastrophe sections
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Strata Community Insurance Agencies acts for Allianz Australia Insurance Limited. This is its residential strata route.
Strata Community Insurance (commercial)
Underwriting agency · Australia-wide
Who they work withCommercial strata schemes, Mixed-use schemes at or above 20% commercial floor area, Strata managers and brokers
Cover areasInsured property and common contentsLegal liabilityVoluntary workersFidelity and office bearersMachinery and catastrophe sections
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Strata Community Insurance Agencies acts for Allianz Australia Insurance Limited. This is its separate commercial strata route, for schemes with 20% or more commercial floor area.
Strata Unit Underwriters
Underwriting agency · Australia-wide
Who they work withResidential strata schemes, Company-title schemes, Community and neighbourhood-title schemes, Strata managers and brokers
Cover areasBuilding and common contentsLegal liabilityVoluntary workersOffice bearersFidelityMachinery breakdownLot-owner improvements
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Strata Unit Underwriting Agency issues this product under authority from CGU Australia Pty Ltd, trading as CGU Insurance. The product is intended for predominantly residential schemes.
Strata Unit Underwriters (commercial)
Underwriting agency · Australia-wide
Who they work withCommercial strata schemes, Mixed-use strata schemes, Office and retail strata schemes, Strata managers and brokers
Cover areasBuilding and common contentsLegal liabilityVoluntary workersOffice bearersFidelityMachinery breakdownLot-owner improvements
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Strata Unit Underwriting Agency issues this commercial strata product under authority from CGU Australia Pty Ltd, trading as CGU Insurance.
Suncorp Insurance
Direct insurer · Australia-wide
Who they work withSmall residential strata schemes, Community-title properties, Owners and body corporates seeking a direct route
Cover areasStrata building and common areasLegal liabilityTemporary accommodation and loss of rentOffice bearersVoluntary workersFlood, storm and other listed insured events
Why this provider is shownThis provider doesn't have a recorded hard restriction for the answers you gave us.
About this provider
Suncorp Strata Insurance is issued by AAI Limited trading as Suncorp Insurance. The product is sold directly by phone.