{
 "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": "axis",
  "name": "Axis Underwriting Services",
  "website": "https://axisunderwriting.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "XL Insurance Company SE",
  "underwriter_abn": "36083570441",
  "underwriter_afsl": null,
  "lloyds": false,
  "distributor": {
   "name": "Axis Underwriting Services Pty Ltd",
   "abn": "51090508142",
   "afsl": "236650",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Axis Residential Strata Insurance Policy",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Owners corporations / body corporates where the strata property is predominantly residential (not where commercial occupancy is over 20% of floor space or over 50% of lots are short-stay).",
    "states": null,
    "documents": [
     {
      "title": "Residential Strata Policy 082026 (from 1 August 2026)",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf",
      "date": "2026-08-01"
     },
     {
      "title": "Residential Strata TMD (1 September 2026)",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Residential-Strata-TMD-01.09.2026.pdf",
      "date": "2026-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The Axis Residential Strata insurance policy is rich in features and benefits and will help brokers provide quality insurance solutions for registered Residential Strata properties.",
      "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Axis Residential Strata insurance policy is rich in features and benefits and will help brokers provide quality insurance solutions for registered Residential Strata properties.",
       "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/#:~:text=The%20Axis%20Residential%20Strata%20insurance,for%20registered%20Residential%20Strata%20properties.",
       "document_sha256": "62abbb8623c3b68db6a006601fba36764398554279c0c5771fce779bbf783ebc",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "As with all Axis products the Residential Strata product is only available through brokers.",
      "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "As with all Axis products the Residential Strata product is only available through brokers.",
       "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/#:~:text=As%20with%20all%20Axis%20products,is%20only%20available%20through%20brokers.",
       "document_sha256": "62abbb8623c3b68db6a006601fba36764398554279c0c5771fce779bbf783ebc",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "It also includes optional covers for Floating Floors, Loss of Market Value, Catastrophe Cover and Flood.",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "It also includes optional covers for Floating Floors, Loss of Market Value, Catastrophe Cover and Flood.",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=6",
       "page": 6,
       "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "This Section covers You against accidental Loss or Damage to Your Building",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Section covers You against accidental Loss or Damage to Your Building",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=6",
       "page": 6,
       "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "where the strata property is predominantly residential",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Residential-Strata-TMD-01.09.2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "where the strata property is predominantly residential",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Residential-Strata-TMD-01.09.2026.pdf#page=1",
       "page": 1,
       "document_sha256": "2d15bb848a4d72e1a1e460eba401bdd7bd1b24f36f87533fc82a8ea2aae873a5",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=5",
       "page": 5,
       "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=19",
       "page": 19,
       "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Underwriter for this product: XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) per the PDS."
    ],
    "underwriter": "XL Insurance Company SE",
    "underwriter_abn": "36083570441",
    "underwriter_afsl": null,
    "lloyds": false,
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, thunderbolt, impact, earthquake",
     "must_tell": true,
     "conditions": "Only when the property is totally unoccupied (including empty or untenanted), counted from when last occupied. Unless you told Axis and it agreed in writing.",
     "then": null,
     "label": "No cover after 90 days (a few events excepted)"
    },
    "id": "residential-strata-insurance-policy",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "XL Insurance Company SE",
      "abn": "36083570441",
      "afsl": null,
      "lloyds": false,
      "slug": "xl-insurance",
      "apra": {
       "status": "authorised",
       "name": "XL Insurance Company SE",
       "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
     }
    ]
   },
   {
    "name": "Axis Commercial Strata Insurance Policy",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners corporations / body corporates of premises primarily used for commercial purposes (factories, showrooms, retail shops, offices) or a mix of commercial and residential units.",
    "states": null,
    "documents": [
     {
      "title": "Commercial Strata Policy v1.2024",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2025/03/Axis-Comm-Strata-Policy-v1.2024.pdf",
      "date": null
     },
     {
      "title": "Commercial Strata TMD (3 September 2026)",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf",
      "date": "2026-09-03"
     }
    ],
    "quotes": {
     "product": {
      "text": "This TMD identifies the customers within the target market for the Axis Commercial Strata Insurance Policy.",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This TMD identifies the customers within the target market for the Axis Commercial Strata Insurance Policy.",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=1",
       "page": 1,
       "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Is only offered to/ via licensed insurance brokers",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Is only offered to/ via licensed insurance brokers",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=2",
       "page": 2,
       "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Owners Corporation/ Body Corporate premises that are primarily used for commercial purposes including commercial/ industrial factories, showrooms, retail shops, offices or a mix of commercial and residential units",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Owners Corporation/ Body Corporate premises that are primarily used for commercial purposes including commercial/ industrial factories, showrooms, retail shops, offices or a mix of commercial and residential units",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=1",
       "page": 1,
       "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "Axis Underwriting Services Pty Ltd (ABN 51 090 508 142 & AFSL 236650) acts under a binding authority as agent for the insurer (Certain Underwriters at Lloyd’s and HDI Global Specialty – Australia and Lancashire Underwriting Australia Pty Ltd) of this product.",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Axis Underwriting Services Pty Ltd (ABN 51 090 508 142 & AFSL 236650) acts under a binding authority as agent for the insurer (Certain Underwriters at Lloyd’s and HDI Global Specialty – Australia and Lancashire Underwriting Australia Pty Ltd) of this product.",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=1",
       "page": 1,
       "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Underwriters per TMD: certain underwriters at Lloyd's, HDI Global Specialty - Australia and Lancashire Underwriting Australia Pty Ltd. Buildings mainly residential with some commercial tenants are insured under Axis's separate AXL policy (XL Insurance Company SE), listed as its own product."
    ],
    "panel": [
     {
      "underwriter": "Certain underwriters at Lloyd's",
      "lloyds": true
     },
     {
      "underwriter": "HDI Global Specialty SE"
     },
     {
      "underwriter": "Lancashire Underwriting Australia Pty Ltd"
     }
    ],
    "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-strata-insurance-policy",
    "type_label": "Commercial strata",
    "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
     },
     {
      "name": "HDI Global Specialty SE",
      "abn": null,
      "afsl": null,
      "lloyds": false,
      "slug": "hdi-global-specialty",
      "apra": {
       "status": "authorised",
       "name": "HDI Global Specialty SE",
       "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
     },
     {
      "name": "Lancashire Underwriting Australia Pty Ltd",
      "abn": null,
      "afsl": null,
      "lloyds": false,
      "slug": "lancashire-underwriting-australia",
      "apra": {
       "status": "not_found",
       "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
     }
    ]
   },
   {
    "name": "Axis Commercial Strata Insurance Policy (AXL, mixed tenancy)",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners corporations / body corporates of premises primarily used for residential purposes but also occupied by commercial tenants (showrooms, retail shops, offices, gyms, hairdressers and the like).",
    "states": null,
    "documents": [
     {
      "title": "Commercial Strata (mixed tenancy, AXL) policy Feb 2024",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2024/05/AXIS_Commercial-Strata-Policy_Feb-2024.pdf",
      "date": "2024-02-01"
     },
     {
      "title": "Commercial Strata AXL TMD (2 September 2026)",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf",
      "date": "2026-09-02"
     }
    ],
    "quotes": {
     "product": {
      "text": "relates to the Axis Commercial Strata Insurance Policy & PDS (Axis Comm Strata Policy AXL v1.2024)",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "relates to the Axis Commercial Strata Insurance Policy & PDS (Axis Comm Strata Policy AXL v1.2024)",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=1",
       "page": 1,
       "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Is only offered to/ via licensed insurance brokers",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Is only offered to/ via licensed insurance brokers",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=2",
       "page": 2,
       "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "primarily used for residential purposes but also occupied by commercial tenants including showrooms, retail shops, offices or commercial operations such as fitness gyms, hairdressers, newsagents and the similar tenants",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "primarily used for residential purposes but also occupied by commercial tenants including showrooms, retail shops, offices or commercial operations such as fitness gyms, hairdressers, newsagents and the similar tenants",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=1",
       "page": 1,
       "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "acts under a binding authority as agent for the insurer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) of this product.",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "acts under a binding authority as agent for the insurer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) of this product.",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=1",
       "page": 1,
       "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.",
      "url": "https://axisunderwriting.com.au/wp-content/uploads/2024/05/AXIS_Commercial-Strata-Policy_Feb-2024.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.",
       "url": "https://axisunderwriting.com.au/wp-content/uploads/2024/05/AXIS_Commercial-Strata-Policy_Feb-2024.pdf#page=17",
       "page": 17,
       "document_sha256": "30f8110aa2b35baa9f2ac01e952596a841b94e9a2ceb30ae86cf0cd97407da34",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Underwriter for this product: XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) per its TMD."
    ],
    "underwriter": "XL Insurance Company SE",
    "underwriter_abn": "36083570441",
    "underwriter_afsl": null,
    "lloyds": false,
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, thunderbolt, impact, earthquake",
     "must_tell": true,
     "conditions": "Only when the property is totally unoccupied, counted from when last occupied; unless agreed in writing.",
     "then": null,
     "label": "No cover after 90 days (a few events excepted)"
    },
    "id": "commercial-strata-insurance-policy-axl-mixed-tenancy",
    "type_label": "Commercial strata",
    "issuers": [
     {
      "name": "XL Insurance Company SE",
      "abn": "36083570441",
      "afsl": null,
      "lloyds": false,
      "slug": "xl-insurance",
      "apra": {
       "status": "authorised",
       "name": "XL Insurance Company SE",
       "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": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441",
    "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441",
     "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=5",
     "page": 5,
     "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Underwriter differs by product: residential strata and the AXL mixed-tenancy commercial strata policy are XL Insurance Company SE (ABN 36083570441, AFSL not found on the page); the main commercial strata policy is Lloyd's/HDI/Lancashire. underwriter_abn given is XL's. | Axis links two commercial strata wordings: v1.2024 (Lloyd's/HDI/Lancashire panel, TMD 03Sep26) and AXL v1.2024 (XL; its TMD 02Sep26 is for buildings primarily residential with commercial tenants, though the site's link calls it 'for offices & low hazard style risks'). They are separate products: until 2026-10-30 the AXL wording's 90-day unoccupancy clause was shown on the panel product, whose wording has none.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "XL Insurance Company SE",
    "abn": "36083570441",
    "afsl": null,
    "lloyds": false,
    "slug": "xl-insurance",
    "apra": {
     "status": "authorised",
     "name": "XL Insurance Company SE",
     "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": {
   "afsl": "236650",
   "name": "AXIS UNDERWRITING SERVICES PTY LTD",
   "abn": "51090508142",
   "acn": null,
   "licensed_since": "2004-01-12",
   "locality": "Melbourne VIC 3000",
   "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"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/axis/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/axis.json"
 }
}