QUS (Quality Underwriting Services) building insurance: what each policy covers, and who underwrites it
2 building policies from QUS (Quality Underwriting Services). 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
- qus.com.au/
- What it is
- Underwriting agency
- Listed on
- Apartment and unit buildings (strata)
- Underwriter
- Lloyd's underwriters
- APRA
- Lloyd's underwriters, which APRA lists separately
- Sold by
- QUS Pty Ltd · AFSL 321877
Building policies
QUS Strata Select (residential strata)
- Type
- Residential strata · Residential
- Sold
- Through a broker
- Flood
- Not covered
- Accidental damage
- Not stated
- Left empty
- Not stated.
- Who it is for
- Owners of strata-titled buildings, common contents and common areas under strata or community titles legislation, located in Australia excluding Northern Australia.
- Documents
- Strata Select PDS & Policy Wording CCQUS SS0726 (9 June 2026) (9 June 2026) · Target Market Determination - Strata Select (effective 1 July 2026) (1 July 2026)
- Flood is listed among the exclusions applying to Section 1 (Property Insured).
The policy
“Residential Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726”
Source: qus.com.au/residential-strata/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The insurance products referred to on this website can only be purchased through a broker.”
Source: qus.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Flood
“No cover is provided for flood.”
Source: qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“the property is located within Australia (excluding Northern Australia)”
Source: qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
QUS Strata Select (commercial strata)
- Type
- Commercial strata · Commercial
- Sold
- Through a broker
- Flood
- Not covered
- Accidental damage
- Not stated
- Left empty
- Not stated.
- Who it is for
- Same Strata Select policy as residential: strata-titled buildings, including commercial or mixed commercial/residential, outside Northern Australia.
- Documents
- Strata Select PDS & Policy Wording CCQUS SS0726 (9 June 2026) (9 June 2026) · Target Market Determination - Strata Select (effective 1 July 2026) (1 July 2026)
- Same PDS as the residential product; the proposal records whether the building contains commercial or residential lots or both.
The policy
“Commercial Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726”
Source: qus.com.au/commercial-strata/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The insurance products referred to on this website can only be purchased through a broker.”
Source: qus.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Flood
“No cover is provided for flood.”
Source: qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“the property is located within Australia (excluding Northern Australia)”
Source: qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“QUS Pty Ltd (ABN 92 122 665 310, AFSL 321877) (‘QUS’) distributes the products acting under a binding authority as agent for the Insurer(s) certain underwriters at Lloyd’s.”
Source: qus.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Distributor's licence
- AFS licence
- 321877 · QUS PTY LTD
- ABN
- 92122665310
- Licensed since
- 31 March 2008
- Principal business
- Brisbane QLD 4000
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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