Allstate Underwriting building insurance: what each policy covers, and who underwrites it
1 building policy from Allstate Underwriting. For each: whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Lloyd's underwriters.
- Website
- allstateunderwriting.com.au/
- What it is
- Underwriting agency
- Listed on
- Business premises and property owners
- Underwriter
- Lloyd's underwriters
- APRA
- Lloyd's underwriters, which APRA lists separately
- Sold by
- Allstate Underwriting Agencies Pty Ltd · authorised representative no. 000306153
Building policies
Allstate Business Insurance (Building and Contents section)
- Type
- Business property · Commercial
- Sold
- Through a broker
- Left empty
- No cover after 60 days. Unless Allstate consented in writing beforehand. Occupied means used for business purposes for at least two consecutive days.
- Documents
- Allstate Business Insurance Policy Wording (PDS) V1RT1805 (2023-05)
- Policy wording is dated May 2023 (V1RT1805); the site says the insurers are now Berkshire Hathaway Specialty Insurance, Lloyd's and Mitsui Sumitomo, so the current wording may differ.
- Standard storm, wind and water cover excludes flood; no flood add-on was found in this wording.
- No Target Market Determination for the business product was found on the site (the TMDs listed are for Farm).
The policy
“A customizable suite of insurance tailored to individual businesses.”
Source: allstateunderwriting.com.au/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The insurance products on this website can only be purchased through a broker.”
Source: allstateunderwriting.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Loss, damage or liability during any period in excess of 60 consecutive days during which the business locations are left unoccupied, unless with our prior written consent.”
Source: allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This policy is underwritten by Certain Underwriters at Lloyd’s of London, who are authorised under the Insurance Act 1973”
Source: allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“Allstate Underwriting Agencies Pty Ltd (ABN: 51 121 066 180) is an authorised representative (AR No: 000306153)”
Source: allstateunderwriting.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.