{
 "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": "allianz",
  "name": "Allianz",
  "website": "https://www.allianz.com.au/",
  "kind": "insurer",
  "underwriter": "Allianz Australia Insurance Limited",
  "underwriter_abn": "15000122850",
  "underwriter_afsl": "234708",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Allianz Home Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 30,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owner-occupiers of a house (not strata units); buildings cover.",
    "states": null,
    "documents": [
     {
      "title": "Allianz Home Insurance PDS (purchased from 20 July 2025)",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf",
      "date": null
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDIHomeITMPB00112241224/$FILE/KFSDIHomeITMPB0011224.pdf",
      "date": "2024-12-16"
     },
     {
      "title": "Home Building and Home Contents Insurance TMD",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf",
      "date": "2025-07-20"
     }
    ],
    "quotes": {
     "product": {
      "text": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=3",
       "page": 3,
       "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf#page=5",
       "page": 5,
       "document_sha256": "c57f17a41b2c5278a354d6e6a36ba9947750edf7ce04241dfc6488f78a3224bf",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "What’s optional? Accidental damage cover Motor burnout Portable contents cover Rebuild safety net",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "What’s optional? Accidental damage cover Motor burnout Portable contents cover Rebuild safety net",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=5",
       "page": 5,
       "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDIHomeITMPB00112241224/$FILE/KFSDIHomeITMPB0011224.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDIHomeITMPB00112241224/$FILE/KFSDIHomeITMPB0011224.pdf#page=1",
       "page": 1,
       "document_sha256": "c0e27822f8d19848a66aa9f55bb7ec29e26224f456daa3942916ecbc55522172",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Persons that own and occupy their home buildings that want cover against:",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Persons that own and occupy their home buildings that want cover against:",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf#page=3",
       "page": 3,
       "document_sha256": "c57f17a41b2c5278a354d6e6a36ba9947750edf7ce04241dfc6488f78a3224bf",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional cover for accidental damage under your Home Building Insurance.",
      "url": "https://www.allianz.com.au/home-insurance/accidental-damage.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional cover for accidental damage under your Home Building Insurance.",
       "url": "https://www.allianz.com.au/home-insurance/accidental-damage.html#:~:text=Optional%20cover%20for%20accidental%20damage%20under%20your%20Home%20Building%20Insurance.",
       "document_sha256": "059c8c02e85c7fe343a5562c967b128d4606e9196e16510a0bd61969a3eed46c",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=52",
       "page": 52,
       "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "Each time you make a claim while your property is unoccupied for the agreed period unless your policy states otherwise. This excess applies in addition to any other excess. This excess is $1,000",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Each time you make a claim while your property is unoccupied for the agreed period unless your policy states otherwise. This excess applies in addition to any other excess. This excess is $1,000",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=65",
       "page": 65,
       "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Rebuild safety net is an optional benefit that pays up to an additional 30% of the buildings sum insured once the sum insured is exceeded.",
     "72-hour exclusion period applies to flood and cyclone on new policies or increased cover (not on renewals).",
     "Older Allianz policies (purchased before 20 July 2025) have different PDS versions; flood was optional on policies starting before 14 January 2025."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless Allianz agreed in writing beforehand (not unreasonably withheld); a $1,000 unoccupancy excess then applies. Lived in means someone eating and sleeping there two consecutive nights.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Allianz Landlord Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 30,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of residential buildings rented to a residential tenant.",
    "states": null,
    "documents": [
     {
      "title": "Allianz Landlord Insurance PDS (purchased from 20 July 2025)",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf",
      "date": null
     },
     {
      "title": "Key Facts Sheet - Landlord Building",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDILandlordITMPB00112241224/$FILE/KFSDILandlordITMPB0011224.pdf",
      "date": null
     },
     {
      "title": "Landlord Insurance TMD",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf",
      "date": "2025-07-20"
     }
    ],
    "quotes": {
     "product": {
      "text": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Landlord Insurance.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Landlord Insurance.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=3",
       "page": 3,
       "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf#page=6",
       "page": 6,
       "document_sha256": "8132c3db877330f02dee74c0544a5cf0ccbb81090660c93140b86b720c2d584f",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "What’s optional? Motor burnout Rebuild safety net Rent default by tenant",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "What’s optional? Motor burnout Rebuild safety net Rent default by tenant",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=5",
       "page": 5,
       "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDILandlordITMPB00112241224/$FILE/KFSDILandlordITMPB0011224.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDILandlordITMPB00112241224/$FILE/KFSDILandlordITMPB0011224.pdf#page=1",
       "page": 1,
       "document_sha256": "dbdf20c2412573e7408aec3fe2d5a7301e766a0d09f15d98c9fc7eeead154975",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Persons that own residential buildings that they rent out to a residential tenant that want cover against:",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Persons that own residential buildings that they rent out to a residential tenant that want cover against:",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf#page=4",
       "page": 4,
       "document_sha256": "8132c3db877330f02dee74c0544a5cf0ccbb81090660c93140b86b720c2d584f",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=49",
       "page": 49,
       "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "Each time you make a claim while your property is unoccupied for the agreed occupancy period. This excess applies in addition to any other excess. This excess is $1,000.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Each time you make a claim while your property is unoccupied for the agreed occupancy period. This excess applies in addition to any other excess. This excess is $1,000.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=62",
       "page": 62,
       "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Rebuild safety net is an optional benefit that pays up to an additional 30% of the buildings sum insured once the sum insured is exceeded.",
     "Optional rent default by tenant cover.",
     "The landlord PDS lists no optional accidental damage cover for buildings."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless Allianz agreed in writing beforehand (not unreasonably withheld); a $1,000 unoccupancy excess then applies. No separate allowance for the gap between tenants.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "landlord-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Allianz Business Insurance Pack",
    "type": "business_property",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Small and medium businesses; acceptance criteria apply to each cover based on the business and the risks insured. Commercial Property insures business premises, contents and stock; Business Interruption, Theft, Money and Electronic Equipment sections need Commercial Property.",
    "states": null,
    "documents": [
     {
      "title": "Allianz Business Insurance Pack PDS (policies effective from 14 June 2026), POL1013",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf",
      "date": "2026-06-14"
     }
    ],
    "quotes": {
     "product": {
      "text": "Add any of the following to your Business Insurance Pack: Commercial Vehicle, General Property, Commercial Property, Business Interruption, Glass and more.",
      "url": "https://www.allianz.com.au/business-insurance/business-pack.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Add any of the following to your Business Insurance Pack: Commercial Vehicle, General Property, Commercial Property, Business Interruption, Glass and more.",
       "url": "https://www.allianz.com.au/business-insurance/business-pack.html#:~:text=Add%20any%20of%20the%20following,Business%20Interruption%2C%20Glass%20and%20more.",
       "document_sha256": "cc25c0e97844813d8983a7b07b5240063a38d9d402104ebbd2ebe34e0055a424",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Note: Public Liability Insurance is automatically included when you quote online. For a quote without Public Liability cover, contact our specialist Business team on 1300 131 000.",
      "url": "https://www.allianz.com.au/business-insurance/business-pack.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Note: Public Liability Insurance is automatically included when you quote online. For a quote without Public Liability cover, contact our specialist Business team on 1300 131 000.",
       "url": "https://www.allianz.com.au/business-insurance/business-pack.html#:~:text=Note%3A%20Public%20Liability%20Insurance%20is,team%20on%201300%20131%20000.",
       "document_sha256": "cc25c0e97844813d8983a7b07b5240063a38d9d402104ebbd2ebe34e0055a424",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Cover for a reduction in business turnover is available to purchase online.",
      "url": "https://www.allianz.com.au/business-insurance/business-pack.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for a reduction in business turnover is available to purchase online.",
       "url": "https://www.allianz.com.au/business-insurance/business-pack.html#:~:text=Cover%20for%20a%20reduction%20in,is%20available%20to%20purchase%20online.",
       "document_sha256": "cc25c0e97844813d8983a7b07b5240063a38d9d402104ebbd2ebe34e0055a424",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "There is an option to apply for cover for Flood under the Commercial Property Section.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "There is an option to apply for cover for Flood under the Commercial Property Section.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=7",
       "page": 7,
       "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "This Section covers You for Property Insured that is accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Section covers You for Property Insured that is accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=7",
       "page": 7,
       "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "These eligibility criteria are subject to change from time to time and We will advise You of any criteria that may apply at the time of Your application.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "These eligibility criteria are subject to change from time to time and We will advise You of any criteria that may apply at the time of Your application.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=7",
       "page": 7,
       "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=19",
       "page": 19,
       "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The policy does not automatically provide flood cover; flood is an optional benefit under the Commercial Property section, shown on the Schedule where Allianz agrees to provide it.",
     "Some covers are only available if Commercial Property is also bought.",
     "Phone quotes (1300 131 000) are needed for some Business Interruption options; some covers can be bought online.",
     "No separate TMD for this pack was found on Allianz's TMD page (only commercial motor TMDs are listed under Business)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, subterranean fire, impact by vehicles, animals, trees, aircraft, falling masts or buildings",
     "must_tell": null,
     "conditions": "Unoccupied means left vacant even if contents remain. Unless Allianz agreed in writing (extra premium may apply); cover resumes when occupied again.",
     "then": null,
     "label": "No cover after 60 days (a few events excepted)"
    },
    "id": "business-insurance-pack",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Allianz Office Pack",
    "type": "office_pack",
    "segment": "commercial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Allianz Office Pack PDS (policies effective from 14 June 2026), POL963",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf",
      "date": "2026-06-14"
     }
    ],
    "quotes": {
     "product": {
      "text": "The insurer of this product is Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz) AFS Licence No. 234708",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The insurer of this product is Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz) AFS Licence No. 234708",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=2",
       "page": 2,
       "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "There is an option to apply for cover for Flood under the Material Damage Section and the Business Interruption Section.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "There is an option to apply for cover for Flood under the Material Damage Section and the Business Interruption Section.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=6",
       "page": 6,
       "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "This Section covers You for Property Insured that is Accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Section covers You for Property Insured that is Accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=6",
       "page": 6,
       "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=17",
       "page": 17,
       "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Office Pack appears only on Allianz's policy documents page; no marketing page or sales channel was found, so channel is unknown.",
     "Material Damage covers Property Insured shown on the Schedule; the PDS defines Building and Contents, but whether buildings can be insured as an owner was not checked."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, subterranean fire, impact by vehicles, animals, trees, aircraft, falling masts or buildings",
     "must_tell": null,
     "conditions": "Unoccupied means left vacant even if contents remain. Unless Allianz agreed in writing (extra premium may apply); cover resumes when occupied again.",
     "then": null,
     "label": "No cover after 60 days (a few events excepted)"
    },
    "id": "office-pack",
    "type_label": "Office pack",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Allianz Industrial Special Risks Mark V",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Industrial Special Risks Mark V Policy Document (POL566 1025)",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf",
      "date": "2025-10-03"
     }
    ],
    "quotes": {
     "product": {
      "text": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark V Policy.",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark V Policy.",
       "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf#page=4",
       "page": 4,
       "document_sha256": "0b714477130da5c2e11d58bfbad1047cf23512d9fa2ec46f2844f5586a996e90",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "For all enquiries please talk to your broker",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For all enquiries please talk to your broker",
       "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf#page=28",
       "page": 28,
       "document_sha256": "0b714477130da5c2e11d58bfbad1047cf23512d9fa2ec46f2844f5586a996e90",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "any premises being Property Insured or containing any Property Insured having become unoccupied and remaining unoccupied for a continuous period in excess of thirty (30) days unless the Insurer shall have been notified and shall have agreed to extend cover.",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "any premises being Property Insured or containing any Property Insured having become unoccupied and remaining unoccupied for a continuous period in excess of thirty (30) days unless the Insurer shall have been notified and shall have agreed to extend cover.",
       "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf#page=15",
       "page": 15,
       "document_sha256": "0b714477130da5c2e11d58bfbad1047cf23512d9fa2ec46f2844f5586a996e90",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Policy document only; no public minimum sum insured or occupation list.",
     "Flood is a defined term and appears in the Section 1 'circumstances where cover is excluded' list (clause 6.2.3), subject to provisos; not recorded as included or optional."
    ],
    "unoccupied": {
     "days": 30,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer was notified and agreed to extend cover.",
     "then": null,
     "label": "No cover after 30 days"
    },
    "id": "industrial-special-risks-mark-v",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Allianz Industrial Special Risks Mark IV",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Industrial Special Risks Mark IV Policy Document (POL565 1025)",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf",
      "date": "2025-10-13"
     }
    ],
    "quotes": {
     "product": {
      "text": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark IV Policy.",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark IV Policy.",
       "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf#page=4",
       "page": 4,
       "document_sha256": "25136b71a3ed683761cc66e982b807e2ca59b8d605d415bce8609a011f72863e",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "For all enquiries please talk to your broker",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For all enquiries please talk to your broker",
       "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf#page=28",
       "page": 28,
       "document_sha256": "25136b71a3ed683761cc66e982b807e2ca59b8d605d415bce8609a011f72863e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "(c) whereby any premises containing any property insured hereunder shall become unoccupied, and so remain for a period of more than thirty days; or",
      "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "(c) whereby any premises containing any property insured hereunder shall become unoccupied, and so remain for a period of more than thirty days; or",
       "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf#page=23",
       "page": 23,
       "document_sha256": "25136b71a3ed683761cc66e982b807e2ca59b8d605d415bce8609a011f72863e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Both Mark IV and Mark V wordings are currently published (both dated October 2025)."
    ],
    "unoccupied": {
     "days": 30,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Insurer not liable for loss caused or contributed to by it, unless notified and agreed in writing (extra premium may apply).",
     "then": null,
     "label": "No cover after 30 days"
    },
    "id": "industrial-special-risks-mark-iv",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.",
    "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.",
     "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=3",
     "page": 3,
     "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Allianz publishes many PDS/TMD versions by purchase date (before 14 Jan 2025 flood optional; 14 Jan-19 Jul 2025; from 20 Jul 2025; renewal policies from 21 Dec 2025). Recorded the current PDS for policies purchased from 20 July 2025. Allianz also underwrites other brands (e.g. RAA, CGU etc.) covered elsewhere. | Allianz Trades and Services Pack (POL986) also exists but is a trades product and was not examined. Allianz pages return 403 to curl; read via headless browser. | allianz.com.au blocks plain curl (403); HTML pages read in a headless browser and the PDFs downloaded through it. Allianz web pages for business insurance list Small Business, Business Pack, Strata and Workers' Comp but no ISR product page; the wording PDFs are the evidence.",
  "segments": [
   "residential",
   "commercial",
   "industrial"
  ],
  "issuers": [
   {
    "name": "Allianz Australia Insurance Limited",
    "abn": "15000122850",
    "afsl": "234708",
    "lloyds": false,
    "slug": "allianz-australia-insurance",
    "apra": {
     "status": "authorised",
     "name": "Allianz Australia Insurance 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": "234708",
     "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
     "abn": "15000122850",
     "acn": null,
     "licensed_since": "2004-01-05",
     "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/allianz/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/allianz.json"
 }
}