Hutch Underwriting building insurance: what each policy covers, and who underwrites it
3 building policies from Hutch Underwriting. For each: how the building is valued, 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
- hutchunderwriting.com.au/
- What it is
- Underwriting agency
- Listed on
- Houses and rental properties, Apartment and unit buildings (strata)
- Underwriter
- Lloyd's underwriters
- APRA
- Lloyd's underwriters, which APRA lists separately
- Sold by
- Hutch Underwriting Pty Ltd · AFSL 523647 · authorised representative no. 001296345
Building policies
Hutch Residential Strata Plan
- Type
- Residential strata · Residential
- Sold
- Through a broker
- Flood
- Optional extra
- Accidental damage
- Not stated
- Left empty
- No cover after 60 days. You must tell the insurer. Unless you told the insurer or Hutch and got written agreement for cover to continue.
- Who it is for
- Schemes that are 80% or more residential by floor space (up to 20% commercial); building sum insured up to $20M.
- Documents
- Residential Strata Plan PDS HRS9 (effective 20 May 2026) (20 May 2026) · Fact sheet HRS9 · Policy document library
- Flood is an optional cover 'where available'.
- TMD for the strata plan not found on the policy library page (landlord TMDs are listed).
The policy
“Hutch’s Residential Strata policy protects bodies corporate from Property and Liability claims.”
Source: hutchunderwriting.com.au/strata-insurance/residential · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“We only accept quotes via Ebix Sunrise Exchange (HUTSTR) and SCTP.”
Source: hutchunderwriting.com.au/strata-insurance/residential · Confirmed on the insurer's page on 13 November 2026.
Flood
“Optional Cover 1 – Flood”
Source: hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Any Insured Property left unoccupied for a period of 60 consecutive days in circumstances where You have not informed Us or Hutch of this fact and have not obtained Our written agreement for the cover of this Policy to continue beyond that period.”
Source: hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“For schemes that are 80% or more residential by floor space.”
Source: hutchunderwriting.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Hutch Commercial Strata
- Type
- Commercial strata · Commercial
- Sold
- Through a broker
- Flood
- Optional extra
- Accidental damage
- Not stated
- Left empty
- Tell the insurer after 60 days. Only a duty to notify a building, common area or unit left unoccupied over 60 days; the policy states no automatic consequence.
- Who it is for
- Schemes that are more than 20% commercial by floor space; buildings and common contents up to $25M combined sum insured.
- Documents
- Commercial Strata PDS HCS1 · Policy document library
The policy
“Commercial Strata For schemes that are more than 20% commercial by floor space.”
Source: hutchunderwriting.com.au/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Hutch Commercial Strata is available via Ebix Sunrise Exchange.”
Source: hutchunderwriting.com.au/strata-insurance/commercial · Confirmed on the insurer's page on 13 November 2026.
Flood
“Optional Cover 1 – Flood”
Source: hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Any Building or Common Area or Unit of the Situation being left unoccupied for a period of more than 60 consecutive days;”
Source: hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Buildings & common contents – Up to $25M Combined Sum Insured”
Source: hutchunderwriting.com.au/strata-insurance/commercial · Confirmed on the insurer's page on 13 November 2026.
Hutch Residential Landlord Insurance
- Type
- Landlord · Residential
- Sold
- Through a broker
- Building valued as
- Not stated
- Flood
- Not stated
- Accidental damage
- Included
- Left empty
- No cover after 90 days (a few events excepted). Still covered: earthquake, named cyclone, tsunami, volcanic eruption, impact, riot, electric motor burnout. You must tell the insurer. Unless you told Hutch and it agreed in writing; then the excess is at least $1,000 (over 90 days) or $2,500 (over 180 days).
- Who it is for
- Landlords who lease residential properties on a short or long-term basis.
- Documents
- Residential Landlords PDS HLL2 (effective 20 May 2026) (20 May 2026) · Residential Landlords TMD HLL2 (effective 20 May 2026) (20 May 2026)
The policy
“Hutch Residential Landlord Insurance is built for landlords who lease residential properties on a short or long-term basis.”
Source: hutchunderwriting.com.au/landlord-insurance · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Your insurance broker will arrange this insurance for you on your behalf.”
Source: hutchunderwriting.com.au/landlord-insurance · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“Reinstatement of Building or Contents or both (as selected) as a result of Accidental Damage, Deliberate or Intentional Damage, Malicious Damage or Theft to the Insured Property.”
Source: hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Unoccupied for a period of more than 90 days or we have not agreed to the unoccupancy period in writing, your cover will be limited to earthquake, named cyclone, tsunami and volcanic eruption, impact damage, riot and electric motor burnout”
Source: hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Hutch Residential Landlord Insurance is built for landlords who lease residential properties on a short or long-term basis.”
Source: hutchunderwriting.com.au/landlord-insurance · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This Policy is insured by certain underwriters at Lloyd's, led by Arch Underwriting at Lloyd’s (Australia) Pty Ltd, Syndicate 2012.”
Source: hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“Hutch Underwriting Pty Ltd ABN 84 655 256 134, authorised representative number 001 296 345 (Hutch Underwriting) is an authorised representative of CoverRadar Group Pty Ltd ABN 14 641 225 809, AFS Licence number 523647”
Source: hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf · Confirmed on the insurer's page on 13 November 2026.
Distributor's licence
- AFS licence
- 523647 · COVERRADAR GROUP PTY LTD
- ABN
- 14641225809
- Licensed since
- 5 February 2021
- Principal business
- Sydney NSW 2000
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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