{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "aig",
  "name": "AIG",
  "website": "https://www.aig.com.au/",
  "kind": "insurer",
  "underwriter": "AIG Australia Limited",
  "underwriter_abn": "93004727753",
  "underwriter_afsl": "381686",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "AIG SME Business Package",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Small and medium businesses; non-preferred risks include over $10m in assets, north of the 26th parallel, rural/remote locations and asbestos construction. Property Owner is a preferred industry.",
    "states": null,
    "documents": [
     {
      "title": "Why AIG - SME Business Package brochure (2024)",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf",
      "date": "2024-08"
     }
    ],
    "quotes": {
     "product": {
      "text": "AIG Australia offers a complete risk management solution, providing tailored coverage for a broad range of small and medium sized businesses.",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "AIG Australia offers a complete risk management solution, providing tailored coverage for a broad range of small and medium sized businesses.",
       "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=1",
       "page": 1,
       "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Package insurance from AIG is only available through intermediated channels.",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Package insurance from AIG is only available through intermediated channels.",
       "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=1",
       "page": 1,
       "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Over $10m in assets",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Over $10m in assets",
       "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=1",
       "page": 1,
       "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Property Owner is listed as a preferred industry.",
     "Whether a buildings section exists and how flood is treated could not be checked: no PDS, policy wording or TMD for the package was found on aig.com.au."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "sme-business-package",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "AIG Australia Limited",
      "abn": "93004727753",
      "afsl": "381686",
      "lloyds": false,
      "slug": "aig-australia",
      "apra": {
       "status": "authorised",
       "name": "AIG Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "381686",
       "name": "AIG AUSTRALIA LIMITED",
       "abn": "93004727753",
       "acn": null,
       "licensed_since": "2011-01-11",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "AIG Property (ISR) - Corporate & Major Accounts",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Businesses with total insurable assets (property, contents and business interruption values) greater than AUD$750m; AIG can deploy capacity up to USD$750m.",
    "states": null,
    "documents": [
     {
      "title": "Property Product Profile - Major Accounts Commercial Property (for brokers)",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-major-product-profile.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Why Property (ISR) Corporate & Major Accounts",
      "url": "https://www.aig.com.au/home/risk-solutions/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Why Property (ISR) Corporate & Major Accounts",
       "url": "https://www.aig.com.au/home/risk-solutions/property#:~:text=Why%20Property%20%28ISR%29%20Corporate%20%26%20Major%20Accounts",
       "document_sha256": "d51f3570e11a6b18d6c1714e23a3aac813caebfacd995758330195a5ea293a4d",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker",
      "url": "https://www.aig.com.au/home/risk-solutions/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker",
       "url": "https://www.aig.com.au/home/risk-solutions/property#:~:text=For%20any%20enquiries%20about%20purchasing%2C,broker%20or%20find%20a%20broker",
       "document_sha256": "d51f3570e11a6b18d6c1714e23a3aac813caebfacd995758330195a5ea293a4d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption Values, greater than AUD$750m.",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-major-product-profile.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption Values, greater than AUD$750m.",
       "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-major-product-profile.pdf#page=1",
       "page": 1,
       "document_sha256": "cd847a8ee32da382ec125d345da0c85db037e2c005aee12eff4e0be2caee7462",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Page lists non-preferred risks: National Rail / Freight Networks, Unprotected Warehousing, Waste Management, Food & Beverage (EPS)."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "property-isr-corporate-major-accounts",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "AIG Australia Limited",
      "abn": "93004727753",
      "afsl": "381686",
      "lloyds": false,
      "slug": "aig-australia",
      "apra": {
       "status": "authorised",
       "name": "AIG Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "381686",
       "name": "AIG AUSTRALIA LIMITED",
       "abn": "93004727753",
       "acn": null,
       "licensed_since": "2011-01-11",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "AIG Commercial Property - Middle Market",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Businesses with total insurable assets (property, contents and business interruption values) up to AUD$750m.",
    "states": null,
    "documents": [
     {
      "title": "Property Product Profile - Middle Market Commercial Property (for brokers)",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Product Profile Middle Market Commercial Property",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Product Profile Middle Market Commercial Property",
       "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf#page=1",
       "page": 1,
       "document_sha256": "887d72e490e512418cfcc266db76185cec70b999deefadccebac327a27762a5a",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker",
      "url": "https://www.aig.com.au/home/risk-solutions/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker",
       "url": "https://www.aig.com.au/home/risk-solutions/property#:~:text=For%20any%20enquiries%20about%20purchasing%2C,broker%20or%20find%20a%20broker",
       "document_sha256": "d51f3570e11a6b18d6c1714e23a3aac813caebfacd995758330195a5ea293a4d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption values up to AUD$750m.",
      "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption values up to AUD$750m.",
       "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf#page=1",
       "page": 1,
       "document_sha256": "887d72e490e512418cfcc266db76185cec70b999deefadccebac327a27762a5a",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Product profile is a broker document; no public wording."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "commercial-property-middle-market",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "AIG Australia Limited",
      "abn": "93004727753",
      "afsl": "381686",
      "lloyds": false,
      "slug": "aig-australia",
      "apra": {
       "status": "authorised",
       "name": "AIG Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "381686",
       "name": "AIG AUSTRALIA LIMITED",
       "abn": "93004727753",
       "acn": null,
       "licensed_since": "2011-01-11",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Insurance products and services are provided by AIG Australia Limited ABN 93 004 727 753 AFSL 381686.",
    "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Insurance products and services are provided by AIG Australia Limited ABN 93 004 727 753 AFSL 381686.",
     "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=2",
     "page": 2,
     "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Only the broker brochure was available. The brochure's 'Over $10m in assets' is listed under 'Non-preferred Risks', not as a hard limit. | Product profile PDFs are marked 'For brokers'. Search results referenced an orgn-aigau1 staging host; published URLs use www.aig.com.au.",
  "segments": [
   "commercial",
   "industrial"
  ],
  "issuers": [
   {
    "name": "AIG Australia Limited",
    "abn": "93004727753",
    "afsl": "381686",
    "lloyds": false,
    "slug": "aig-australia",
    "apra": {
     "status": "authorised",
     "name": "AIG Australia Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "381686",
     "name": "AIG AUSTRALIA LIMITED",
     "abn": "93004727753",
     "acn": null,
     "licensed_since": "2011-01-11",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/aig/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/aig.json"
 }
}