High Street Underwriting Agency building insurance: what each policy covers, and who underwrites it
1 building policy from High Street Underwriting Agency. 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
- hsua.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
- High Street Underwriting Agency Pty Limited · AFSL 244370
Building policies
HSUA Commercial Property
- Type
- Business property · Commercial
- Sold
- Through a broker
- Flood
- Not covered
- Accidental damage
- Included
- Left empty
- No cover after 90 days. Unless High Street consented in writing. Occupied means used for business purposes for at least two consecutive days.
- Documents
- Commercial Property Policy Wording V120624 (2024-06)
- Covers buildings, contents and other interests only as shown on the Policy Schedule, so buildings are not automatic.
- The Storm, Wind and Water event excludes flood; no flood add-on was found in this wording.
- The policy wording PDF is hosted on a broker's website (inshq.com.au); HSUA's own site says wordings are in its broker portal.
- No TMD for the property product was found; HSUA publishes only Accident and Health and CPE TMDs.
The policy
“We will cover You for loss or damage at the Location directly caused by the events listed under ‘Insured Events’, up to the limit shown on Your Policy”
Source: inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“If you have any questions regarding the policy or Policy Schedule, please contact Your insurance broker.”
Source: inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Loss or damage caused: a) by sea, tidal wave, high Water, Flood;”
Source: inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“We will cover You for accidental loss or damage to”
Source: inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Loss, damage or liability during any period in excess of 90 consecutive days during which the Business locations are left unoccupied, unless with Our written consent.”
Source: inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“Underwritten by Certain Underwriters at Lloyd's 100%”
Source: inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“© HSUA 2025 | ABN 27 096 939 169 | AFS License 244370”
Source: hsua.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Distributor's licence
- AFS licence
- 244370 · HIGH STREET UNDERWRITING AGENCY PTY. LIMITED
- ABN
- 27096939169
- Licensed since
- 1 March 2004
- Principal business
- Brendale QLD 4500
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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.