{
 "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": "ansvar",
  "name": "Ansvar",
  "website": "https://www.ansvar.com.au/",
  "kind": "insurer",
  "underwriter": "Ansvar Insurance Limited",
  "underwriter_abn": "21007216506",
  "underwriter_afsl": "237826",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Ansvar Commercial Property Owners Insurance",
    "type": "commercial_landlord",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Businesses or individuals who own commercial property, with a location limit of liability for Property Protection and Business Interruption up to $15,000,000; Australian locations only.",
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement and Policy Wording (CPOP 0624 V1)",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf",
      "date": "2024-06"
     },
     {
      "title": "Target Market Determination (effective 30/04/2026)",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf",
      "date": "2026-04-30"
     }
    ],
    "quotes": {
     "product": {
      "text": "This product is designed for businesses or individuals who own Commercial Property.",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed for businesses or individuals who own Commercial Property.",
       "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=2",
       "page": 2,
       "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is available Australia wide through insurance brokers who have a broker agreement in place with Ansvar.",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is available Australia wide through insurance brokers who have a broker agreement in place with Ansvar.",
       "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=4",
       "page": 4,
       "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "This Section covers you for accidental damage to your insured property at the declared location(s).",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Section covers you for accidental damage to your insured property at the declared location(s).",
       "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf#page=5",
       "page": 5,
       "document_sha256": "be86af7046a0704544f9c5c2fee0c658a6459c3828ae82c6fa51d5158090b019",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Operators with a location limit of liability for Property Protection and Business Interruption (Income Protection) up to $15,000,000",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Operators with a location limit of liability for Property Protection and Business Interruption (Income Protection) up to $15,000,000",
       "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=3",
       "page": 3,
       "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "cover under the Property Protection, Money and Theft sections of Part A: Property and Business Interruption will cease if the location(s) becomes unoccupied for a period of more than 100 consecutive days.",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "cover under the Property Protection, Money and Theft sections of Part A: Property and Business Interruption will cease if the location(s) becomes unoccupied for a period of more than 100 consecutive days.",
       "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf#page=16",
       "page": 16,
       "document_sha256": "be86af7046a0704544f9c5c2fee0c658a6459c3828ae82c6fa51d5158090b019",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Ansvar does not accept applications on a direct basis; a broker with an Ansvar agreement must arrange cover.",
     "The applicant can select some or all of the 7 sections, so Property Protection (which covers buildings, contents and stock) is a chosen section.",
     "Flood: the PDS lists Flood among the Property Protection additional benefits and refers to 'flood (if cover is provided)', but the wording extracted did not state clearly whether it is automatic or optional, so flood is recorded as null."
    ],
    "unoccupied": {
     "days": 100,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, volcanic eruption, subterranean fire, impact by vehicles, animals, trees, aircraft, falling masts or buildings",
     "must_tell": true,
     "conditions": "Unoccupied means left vacant even if contents remain. Cover continues only if Ansvar confirms it in writing.",
     "then": null,
     "label": "No cover after 100 days (a few events excepted)"
    },
    "id": "commercial-property-owners-insurance",
    "type_label": "Commercial landlord",
    "issuers": [
     {
      "name": "Ansvar Insurance Limited",
      "abn": "21007216506",
      "afsl": "237826",
      "lloyds": false,
      "slug": "ansvar-insurance",
      "apra": {
       "status": "authorised",
       "name": "Ansvar 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": "237826",
       "name": "ANSVAR INSURANCE LIMITED",
       "abn": "21007216506",
       "acn": null,
       "licensed_since": "2004-01-22",
       "locality": "Southbank VIC 3006",
       "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": "Ansvar Industrial Special Risks (Mark IV Modified)",
    "type": "isr",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Insurable asset values over $10 million; medium to large businesses or commercial property owners.",
    "states": null,
    "documents": [
     {
      "title": "ISR Mark IV Consolidated Insurance Policy Wording (AUSPOLISR 0523 V1)",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-ISR-Mark-IV-Consolidated-Insurance-Policy-Wording_AUSPOLISR-0523-V1.pdf",
      "date": "2023-05-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Our ISR Mark IV Modified insurance policy wording is designed to protect a medium to large business or commercial property owners against damage to their property (material loss) and/or financial loss cover (business interruption) as a result of property damage.",
      "url": "https://www.ansvar.com.au/industrial-special-risks/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our ISR Mark IV Modified insurance policy wording is designed to protect a medium to large business or commercial property owners against damage to their property (material loss) and/or financial loss cover (business interruption) as a result of property damage.",
       "url": "https://www.ansvar.com.au/industrial-special-risks/#:~:text=Our%20ISR%20Mark%20IV%20Modified,a%20result%20of%20property%20damage.",
       "document_sha256": "500ebdff5d9559c1a203cdda894e58a990372fad0a243c11a2fd7ec7e66c51ad",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Our Industrial Special Risks Insurance (ISR) can provide material damage and/or financial loss cover as a result of property damage for insurable asset values over $10 million",
      "url": "https://www.ansvar.com.au/industrial-special-risks/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Industrial Special Risks Insurance (ISR) can provide material damage and/or financial loss cover as a result of property damage for insurable asset values over $10 million",
       "url": "https://www.ansvar.com.au/industrial-special-risks/#:~:text=Our%20Industrial%20Special%20Risks%20Insurance,asset%20values%20over%20%2410%20million",
       "document_sha256": "500ebdff5d9559c1a203cdda894e58a990372fad0a243c11a2fd7ec7e66c51ad",
       "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 sixty (60) days; or",
      "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-ISR-Mark-IV-Consolidated-Insurance-Policy-Wording_AUSPOLISR-0523-V1.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 sixty (60) days; or",
       "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-ISR-Mark-IV-Consolidated-Insurance-Policy-Wording_AUSPOLISR-0523-V1.pdf#page=45",
       "page": 45,
       "document_sha256": "bed4a63916e2b96523eef2258f3e3c44119f685399851267c968fbb1d8f7f6cb",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood is excluded or included by location; the wording refers to 'Flood (if cover is provided)'.",
     "Page directs larger (over $20m) commercial property owner risks to ISR.",
     "The wording excludes flood (Perils Exclusion 3) except where the policy provides flood cover, so whether flood is covered depends on the schedule."
    ],
    "unoccupied": {
     "days": 60,
     "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 60 days"
    },
    "id": "industrial-special-risks-mark-iv-modified",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Ansvar Insurance Limited",
      "abn": "21007216506",
      "afsl": "237826",
      "lloyds": false,
      "slug": "ansvar-insurance",
      "apra": {
       "status": "authorised",
       "name": "Ansvar 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": "237826",
       "name": "ANSVAR INSURANCE LIMITED",
       "abn": "21007216506",
       "acn": null,
       "licensed_since": "2004-01-22",
       "locality": "Southbank VIC 3006",
       "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": "Ansvar Insurance Limited (Ansvar Insurance), ABN 21 007 216 506, is the issuer of this insurance policy.",
    "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Ansvar Insurance Limited (Ansvar Insurance), ABN 21 007 216 506, is the issuer of this insurance policy.",
     "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf#page=4",
     "page": 4,
     "document_sha256": "be86af7046a0704544f9c5c2fee0c658a6459c3828ae82c6fa51d5158090b019",
     "confirmed": "2026-11-13"
    }
   },
   "afsl": {
    "text": "Ansvar Insurance Limited (ABN 21 007 216 506, AFSL 237826)",
    "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Ansvar Insurance Limited (ABN 21 007 216 506, AFSL 237826)",
     "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=2",
     "page": 2,
     "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Flood treatment unresolved from PDS text; broker-only. Section selection: 'The applicant can select some or all of these sections, depending on their requirements.' (TMD) | No ISR TMD found on Ansvar's TMD page; ISR channel not explicitly stated (broker partners per site navigation), so left null for ISR.",
  "segments": [
   "commercial",
   "industrial"
  ],
  "issuers": [
   {
    "name": "Ansvar Insurance Limited",
    "abn": "21007216506",
    "afsl": "237826",
    "lloyds": false,
    "slug": "ansvar-insurance",
    "apra": {
     "status": "authorised",
     "name": "Ansvar 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": "237826",
     "name": "ANSVAR INSURANCE LIMITED",
     "abn": "21007216506",
     "acn": null,
     "licensed_since": "2004-01-22",
     "locality": "Southbank VIC 3006",
     "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/ansvar/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ansvar.json"
 }
}