{
 "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": "cgu",
  "name": "CGU",
  "website": "https://www.cgu.com.au/",
  "kind": "brand",
  "underwriter": "CGU Australia Pty Ltd",
  "underwriter_abn": "62004478960",
  "underwriter_afsl": "700014",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "CGU Business Pack (Business Insurance)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Business Insurance PDS and Policy Booklet (CV671 rev8, August 2025)",
      "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
      "date": "2025-08-01"
     },
     {
      "title": "Target Market Determination TMDBU001 (IAG index, Business)",
      "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdbu001-rev0-1021.pdf",
      "date": "2021-10-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "Comprehensive cover for small business owners to protect what they’ve built, so they can focus on what’s next.",
      "url": "https://www.cgu.com.au/insurance/business/business-pack",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Comprehensive cover for small business owners to protect what they’ve built, so they can focus on what’s next.",
       "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=Comprehensive%20cover%20for%20small%20business,can%20focus%20on%20what%E2%80%99s%20next.",
       "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "CGU is an intermediated insurance brand.",
      "url": "https://www.cgu.com.au/insurance/business/business-pack",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "CGU is an intermediated insurance brand.",
       "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=CGU%20is%20an%20intermediated%20insurance%20brand.",
       "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.",
      "url": "https://www.cgu.com.au/insurance/business/business-pack",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.",
       "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=Our%20Business%20Insurance%20product%20can,through%20your%20Broker%20quote%20Platforms.",
       "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.",
      "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.",
       "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=17",
       "page": 17,
       "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
      "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
       "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=15",
       "page": 15,
       "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Quotes are only through brokers (the CGU page says CGU is an intermediated brand; online quoting is via broker platforms).",
     "The PDS delays flood, bushfire/grassfire and named-cyclone cover for 72 hours from the start of the policy.",
     "Section 1 Property covers buildings, contents and stock; the sections are chosen on the Certificate of Insurance.",
     "The TMD that CGU links (TMDBU001) covers only the retail sections (motor vehicle, personal accident), not the property section, so no eligibility limits could be quoted."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Unless CGU agreed in writing.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "business-pack-business-insurance",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "CGU Australia Pty Ltd",
      "abn": "62004478960",
      "afsl": "700014",
      "lloyds": false,
      "slug": "cgu-australia",
      "apra": {
       "status": "authorised",
       "name": "CGU Australia Pty Ltd",
       "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": "700014",
       "name": "CGU AUSTRALIA PTY LTD",
       "abn": "62004478960",
       "acn": null,
       "licensed_since": "2025-05-09",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "CGU Property Owner Insurance",
    "type": "commercial_landlord",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of commercial properties (CGU markets the same Business Insurance PDS to property owners).",
    "states": null,
    "documents": [
     {
      "title": "Business Insurance PDS and Policy Booklet (CV671 rev8, August 2025)",
      "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
      "date": "2025-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Protecting Commercial properties you own now and for the future is easy.",
      "url": "https://www.cgu.com.au/business/property-owner",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Protecting Commercial properties you own now and for the future is easy.",
       "url": "https://www.cgu.com.au/business/property-owner#:~:text=Protecting%20Commercial%20properties%20you%20own,for%20the%20future%20is%20easy.",
       "document_sha256": "89557535aab2ce05475f729ed58d5473e6e335dc30c8c7e2d271b250ddcc4dce",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "As of 21 May 2026, CGU no longer offers new Business insurance, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance directly to customers. CGU Business, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance remains available through our brokers .",
      "url": "https://www.cgu.com.au/policy-booklets",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "As of 21 May 2026, CGU no longer offers new Business insurance, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance directly to customers. CGU Business, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance remains available through our brokers .",
       "url": "https://www.cgu.com.au/policy-booklets#:~:text=As%20of%2021%20May%202026%2C,available%20through%20our%20brokers%20.",
       "document_sha256": "c26f1441b9044bb9fec5c610a7d9af509e2ca262242e0f4a9692b11c7a78f5a9",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.",
      "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.",
       "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=17",
       "page": 17,
       "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Protecting Commercial properties you own now and for the future is easy.",
      "url": "https://www.cgu.com.au/business/property-owner",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Protecting Commercial properties you own now and for the future is easy.",
       "url": "https://www.cgu.com.au/business/property-owner#:~:text=Protecting%20Commercial%20properties%20you%20own,for%20the%20future%20is%20easy.",
       "document_sha256": "89557535aab2ce05475f729ed58d5473e6e335dc30c8c7e2d271b250ddcc4dce",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.",
      "url": "https://www.cgu.com.au/insurance/business/business-pack",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.",
       "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=Our%20Business%20Insurance%20product%20can,through%20your%20Broker%20quote%20Platforms.",
       "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
      "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
       "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=15",
       "page": 15,
       "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "This is the property section of the same CGU Business Insurance policy, not a separate policy."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Unless CGU agreed in writing. Wording refers to Your Business Premises; it does not say how it applies between tenants.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "property-owner-insurance",
    "type_label": "Commercial landlord",
    "issuers": [
     {
      "name": "CGU Australia Pty Ltd",
      "abn": "62004478960",
      "afsl": "700014",
      "lloyds": false,
      "slug": "cgu-australia",
      "apra": {
       "status": "authorised",
       "name": "CGU Australia Pty Ltd",
       "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": "700014",
       "name": "CGU AUSTRALIA PTY LTD",
       "abn": "62004478960",
       "acn": null,
       "licensed_since": "2025-05-09",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "CGU Industrial Special Risk",
    "type": "isr",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [],
    "quotes": {
     "product": {
      "text": "INDUSTRIAL SPECIAL RISK (01R / 05A) Support Services Team",
      "url": "https://www.cgu.com.au/documents/brokers/contact-sheet/qld",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "INDUSTRIAL SPECIAL RISK (01R / 05A) Support Services Team",
       "url": "https://www.cgu.com.au/documents/brokers/contact-sheet/qld#page=2",
       "page": 2,
       "document_sha256": "385b78562d1aa848c5e8f47310c054c11aba68dfc412375f1b7f82b8bccfc35b",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "For all other policies not referred to above, including any policies sold by business partners in all locations, the insurer is Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.",
      "url": "https://www.cgu.com.au/business/industrial-specialised-risks",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For all other policies not referred to above, including any policies sold by business partners in all locations, the insurer is Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.",
       "url": "https://www.cgu.com.au/business/industrial-specialised-risks#:~:text=For%20all%20other%20policies%20not,227681%20under%20the%20CGU%20brand.",
       "document_sha256": "41e227b3c96a1f0ed8a58ee78812b460e587b81083bf4cc06d53b0436ad7315a",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "CGU's public site gives no ISR product page, eligibility or wording; the only first-party evidence is the broker key-contacts sheet listing an Industrial Special Risk underwriting team."
    ],
    "underwriter": "Insurance Australia Limited",
    "underwriter_abn": "11000016722",
    "underwriter_afsl": "227681",
    "lloyds": false,
    "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": "industrial-special-risk",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "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": "CGU Commercial Strata Insurance",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "states": null,
    "documents": [
     {
      "title": "Target Market Determination TMDCS001 (Commercial Strata)",
      "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf",
      "date": "2025-12-19"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Target Market Determination (TMD) applies to Commercial Strata Insurance products.",
      "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Target Market Determination (TMD) applies to Commercial Strata Insurance products.",
       "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=1",
       "page": 1,
       "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is designed to be distributed by our distributors (including brokers) by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)",
      "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed to be distributed by our distributors (including brokers) by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)",
       "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=2",
       "page": 2,
       "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Are seeking optional covers such as Flood, Machinery Breakdown or Electronic Equipment",
      "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Are seeking optional covers such as Flood, Machinery Breakdown or Electronic Equipment",
       "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=2",
       "page": 2,
       "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The Building is predominantly used for commercial purposes",
      "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Building is predominantly used for commercial purposes",
       "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=1",
       "page": 1,
       "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8",
       "confirmed": "2026-11-13"
      }
     }
    },
    "eligibility": "Strata-titled entities insuring buildings used predominantly for commercial purposes (retail shops, offices, factory units); not residential buildings or individual unit owners.",
    "conditions": [
     "No CGU-published commercial strata PDS or product page was found; the product is evidenced by its Target Market Determination, which states it is distributed through distributors including brokers."
    ],
    "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",
    "type_label": "Commercial strata",
    "issuers": [
     {
      "name": "CGU Australia Pty Ltd",
      "abn": "62004478960",
      "afsl": "700014",
      "lloyds": false,
      "slug": "cgu-australia",
      "apra": {
       "status": "authorised",
       "name": "CGU Australia Pty Ltd",
       "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": "700014",
       "name": "CGU AUSTRALIA PTY LTD",
       "abn": "62004478960",
       "acn": null,
       "licensed_since": "2025-05-09",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "For all policies sold by brokers and underwriting agencies in all locations the insurer is CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.",
    "url": "https://www.cgu.com.au/small-business",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "For all policies sold by brokers and underwriting agencies in all locations the insurer is CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.",
     "url": "https://www.cgu.com.au/small-business#:~:text=For%20all%20policies%20sold%20by,700014%20trading%20as%20CGU%20Insurance.",
     "document_sha256": "e9e25e7ae845654d21c7abc5b3b6028cd758d886c18264c482507679aed2cadc",
     "confirmed": "2026-11-13"
    }
   },
   "underwriter_pds_direct": {
    "text": "This product is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 under the CGU brand.",
    "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This product is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 under the CGU brand.",
     "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=2",
     "page": 2,
     "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Two insurers appear. The August 2025 Business Insurance PDS says it is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand, i.e. the direct-to-customer version. CGU's policy-booklets page says that as of 21 May 2026 CGU no longer offers new Business insurance directly to customers; it remains available through brokers, where CGU's small-business page names CGU Australia Pty Ltd as insurer. Underwriter recorded is the broker-channel insurer. CGU's Commercial Property product closed to new business in 2017. Broker-only documents sit behind marketplace.cgu.com.au login and were not readable. | The URL /business/industrial-specialised-risks returns generic CGU content. A third-party site hosts a CGU 'Mark IV Modified' wording (CGU00044 0615) but it is not on cgu.com.au so is not used. | CGU stopped offering new Residential Strata policies on 30 May 2022 (cgu.com.au residential strata page), so no residential strata product is listed. The Residential Strata PDS (Dec 2022) names Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 as insurer, but the CGU site footer says policies sold by brokers and underwriting agencies are insured by CGU Australia Pty Ltd (the TMD issuer). Commercial strata is evidenced only by the TMD (effective 19 Dec 2025).",
  "segments": [
   "commercial",
   "industrial"
  ],
  "issuers": [
   {
    "name": "CGU Australia Pty Ltd",
    "abn": "62004478960",
    "afsl": "700014",
    "lloyds": false,
    "slug": "cgu-australia",
    "apra": {
     "status": "authorised",
     "name": "CGU Australia Pty Ltd",
     "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": "700014",
     "name": "CGU AUSTRALIA PTY LTD",
     "abn": "62004478960",
     "acn": null,
     "licensed_since": "2025-05-09",
     "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"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/cgu/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/cgu.json"
 }
}