Hollard Commercial Insurance building insurance: what each policy covers, and who underwrites it
1 building policy from Hollard Commercial Insurance. 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 The Hollard Insurance Company Pty Ltd.
- Website
- hollardcommercial.com.au/
- What it is
- Underwriting agency
- Listed on
- Business premises and property owners
- Underwriter
- The Hollard Insurance Company Pty Ltd
- APRA
- Authorised by APRA to write new general insurance (listed as Hollard Insurance Company Pty Ltd (The))
Building policies
Hollard Commercial Business Insurance (Property Damage cover section)
- Type
- Business property · Commercial
- Sold
- Through a broker
- Flood
- Optional extra
- Left empty
- No cover after 90 days (a few events excepted). Still covered: lightning, earthquake, volcanic eruption, tsunami, subterranean fire, impact, falling masts or buildings, riot, civil commotion, strikes. You must tell the insurer. Unoccupied means left vacant even if contents remain. Unless Hollard agreed in writing.
- Who it is for
- Small to medium Australian businesses, including property owners, wholesale, retail, professional offices, food services and trade contractors, arranged through intermediaries.
- Documents
- Hollard Commercial Business Insurance Policy Wording (HCI BI 012022) (1 January 2022)
- You are insured only for the cover sections shown as insured in the Policy Schedule; Property Damage is one of 12 optional sections.
- The only Target Market Determination published on the Hollard Commercial site is for Commercial Motor Vehicle Insurance; none was found for the business insurance product.
The policy
“This Policy incorporates 12 different cover sections of business insurance.”
Source: hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Hollard Commercial Insurance offers commercial insurance products to Australian businesses via insurance intermediaries.”
Source: hollardcommercial.com.au/home · Confirmed on the insurer's page on 13 November 2026.
Flood
“When ‘Flood’ is shown as insured in the Policy Schedule, subject to the provisions of the Policy, We will cover loss of or damage to Property Insured caused by Flood”
Source: hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Unless We otherwise agree in writing, We will not pay for any loss or damage to Your Property Insured if the Event happens after Your Premises has been unoccupied for more than 90 consecutive days.”
Source: hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“We specialise in business insurance intended to protect everyday risks for Small to Medium Australian businesses.”
Source: hollardcommercial.com.au/products · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This insurance is underwritten by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436) (‘Hollard’).”
Source: hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf · Confirmed on the insurer's page on 13 November 2026.
The Hollard Insurance Company Pty Ltd: licence
- AFS licence
- 241436 · THE HOLLARD INSURANCE COMPANY PTY LTD
- ABN
- 78090584473
- Licensed since
- 11 March 2004
- Principal business
- North Sydney NSW 2060
- General insurance
- Licensed to deal in general insurance products
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.