{ "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": "allstate", "name": "Allstate Underwriting", "website": "https://allstateunderwriting.com.au/", "kind": "underwriting_agency", "underwriter": "Certain underwriters at Lloyd's", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": { "name": "Allstate Underwriting Agencies Pty Ltd", "abn": "51121066180", "afsl": null, "authorised_representative_no": "000306153" }, "products": [ { "name": "Allstate Business Insurance (Building and Contents section)", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Allstate Business Insurance Policy Wording (PDS) V1RT1805", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf", "date": "2023-05" } ], "quotes": { "product": { "text": "A customizable suite of insurance tailored to individual businesses.", "url": "https://allstateunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "A customizable suite of insurance tailored to individual businesses.", "url": "https://allstateunderwriting.com.au/#:~:text=A%20customizable%20suite%20of%20insurance%20tailored%20to%20individual%20businesses.", "document_sha256": "c7405573872dcb819390a18d784f9b267a80436e407a22c7040c6e8684c2fb6d", "confirmed": "2026-11-13" } }, "channel": { "text": "The insurance products on this website can only be purchased through a broker.", "url": "https://allstateunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurance products on this website can only be purchased through a broker.", "url": "https://allstateunderwriting.com.au/#:~:text=The%20insurance%20products%20on%20this,be%20purchased%20through%20a%20broker.", "document_sha256": "c7405573872dcb819390a18d784f9b267a80436e407a22c7040c6e8684c2fb6d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or liability during any period in excess of 60 consecutive days during which the business locations are left unoccupied, unless with our prior written consent.", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss, damage or liability during any period in excess of 60 consecutive days during which the business locations are left unoccupied, unless with our prior written consent.", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf#page=11", "page": 11, "document_sha256": "7c2a479197a986752cf6c02280cddf59dd040ae179b2f342ec2dc1c5e10cae2b", "confirmed": "2026-11-13" } } }, "conditions": [ "Policy wording is dated May 2023 (V1RT1805); the site says the insurers are now Berkshire Hathaway Specialty Insurance, Lloyd's and Mitsui Sumitomo, so the current wording may differ.", "Standard storm, wind and water cover excludes flood; no flood add-on was found in this wording.", "No Target Market Determination for the business product was found on the site (the TMDs listed are for Farm)." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless Allstate consented in writing beforehand. Occupied means used for business purposes for at least two consecutive days.", "then": null, "label": "No cover after 60 days" }, "id": "business-insurance-building-and-contents-section", "type_label": "Business property", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "This policy is underwritten by Certain Underwriters at Lloyd’s of London, who are authorised under the Insurance Act 1973", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy is underwritten by Certain Underwriters at Lloyd’s of London, who are authorised under the Insurance Act 1973", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf#page=2", "page": 2, "document_sha256": "7c2a479197a986752cf6c02280cddf59dd040ae179b2f342ec2dc1c5e10cae2b", "confirmed": "2026-11-13" } }, "distributor": { "text": "Allstate Underwriting Agencies Pty Ltd (ABN: 51 121 066 180) is an authorised representative (AR No: 000306153)", "url": "https://allstateunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Allstate Underwriting Agencies Pty Ltd (ABN: 51 121 066 180) is an authorised representative (AR No: 000306153)", "url": "https://allstateunderwriting.com.au/#:~:text=Allstate%20Underwriting%20Agencies%20Pty%20Ltd,authorised%20representative%20%28AR%20No%3A%20000306153%29", "document_sha256": "c7405573872dcb819390a18d784f9b267a80436e407a22c7040c6e8684c2fb6d", "confirmed": "2026-11-13" } } }, "curation_notes": "Home page names three insurers (Berkshire Hathaway Specialty, Lloyd's, Mitsui Sumitomo) and says information is current at 19 Sept 2025; the 2023 wording says Lloyd's only. Site mentions a transition of the Farm product to Blue Zebra. Allstate Insurance Pty Ltd AFSL 239010 is the licensee of the authorised representative (seen in the PDF, not quoted verbatim). | Flood: the Storm, wind and water insured event excludes loss caused by 'sea, tidal wave, high water, flood' (policy wording table, 'Our exclusions' column); no standalone sentence, so flood is left null.", "segments": [ "commercial" ], "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/allstate/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/allstate.json" } }