{
 "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": "chubb",
  "name": "Chubb",
  "website": "https://www.chubb.com/au-en/",
  "kind": "insurer",
  "underwriter": "Chubb Insurance Australia Limited",
  "underwriter_abn": "23001642020",
  "underwriter_afsl": "239687",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Chubb Masterpiece (Home & Contents)",
    "type": "high_value_home",
    "segment": "residential",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": "choice",
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of a residential building with a sum insured of at least $1,500,000 (and contents of at least $300,000 where contents are insured).",
    "states": null,
    "documents": [
     {
      "title": "Masterpiece Product Disclosure Statement and Policy Wording (published 02/2022)",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf",
      "date": "2022-02-01"
     },
     {
      "title": "Masterpiece Target Market Determination (published 01/2024)",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf",
      "date": "2024-01-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Product Name: Masterpiece (PDS Number 22PDSMASTERPIECE01) (the Product)",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Product Name: Masterpiece (PDS Number 22PDSMASTERPIECE01) (the Product)",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf#page=3",
       "page": 3,
       "document_sha256": "e227ab2a5306a680472b233f0d3adc3f59a162f8c499364c78ac8401e4630f1b",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This Product is distributed by Chubb's approved network of licenced insurance brokers (Distributor) and is not available online for customers to purchase directly from Chubb Insurance Australia Limited.",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product is distributed by Chubb's approved network of licenced insurance brokers (Distributor) and is not available online for customers to purchase directly from Chubb Insurance Australia Limited.",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf#page=6",
       "page": 6,
       "document_sha256": "e227ab2a5306a680472b233f0d3adc3f59a162f8c499364c78ac8401e4630f1b",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Your Coverage Summary indicates whether the payment basis in respect of a Covered Loss is Extended Replacement Cost or Verified Replacement Cost for each House.",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Coverage Summary indicates whether the payment basis in respect of a Covered Loss is Extended Replacement Cost or Verified Replacement Cost for each House.",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=28",
       "page": 28,
       "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "no cover for Flood and Action Of The Sea unless specifically noted in Your Coverage Summary",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "no cover for Flood and Action Of The Sea unless specifically noted in Your Coverage Summary",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=7",
       "page": 7,
       "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a residential building to insure (with a sum insured of at least $1,500,000);",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a residential building to insure (with a sum insured of at least $1,500,000);",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf#page=4",
       "page": 4,
       "document_sha256": "e227ab2a5306a680472b233f0d3adc3f59a162f8c499364c78ac8401e4630f1b",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If the House has been substantially empty of all unfixed furnishings and all Contents for more than 60 consecutive days at the time of a Covered Loss, the Vacant House Deductible will apply",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If the House has been substantially empty of all unfixed furnishings and all Contents for more than 60 consecutive days at the time of a Covered Loss, the Vacant House Deductible will apply",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=28",
       "page": 28,
       "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Extended Replacement Cost means the Reconstruction Cost even if this amount is greater than the Sum Insured for the House (no cap), where the Coverage Summary shows that payment basis.",
     "Flood is excluded unless specifically noted in the Coverage Summary.",
     "Sold only through Chubb's approved network of insurance brokers/agents; not available to buy online direct from Chubb.",
     "The PDS is a 2022 edition; the PDS states accident and other damage only as 'physical loss or damage', so no accidental damage rating is recorded."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Applies when the house is substantially empty of furnishings and contents. Deductible is 5% of the house sum insured (or the scheduled one if greater) unless waived in writing beforehand; extra premium charged.",
     "then": null,
     "label": "Extra excess after 60 days"
    },
    "id": "masterpiece-home-contents",
    "type_label": "Prestige home",
    "issuers": [
     {
      "name": "Chubb Insurance Australia Limited",
      "abn": "23001642020",
      "afsl": "239687",
      "lloyds": false,
      "slug": "chubb-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Chubb Insurance Australia 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": "239687",
       "name": "CHUBB INSURANCE AUSTRALIA LTD",
       "abn": "23001642020",
       "acn": null,
       "licensed_since": "2004-01-19",
       "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": "Chubb Benchmarq Commercial Property Insurance for Real Estate",
    "type": "commercial_landlord",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Real estate industry businesses with revenue or declared values up to AUD $75 million (Benchmarq lower-middle-market range).",
    "states": null,
    "documents": [
     {
      "title": "Benchmarq Real Estate Property Policy Wording (04/2024)",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf",
      "date": "2024-04"
     },
     {
      "title": "Chubb Benchmarq overview",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Benchmarq is currently available to 5 key industries: Manufacturing, Real Estate, Wholesale, Retail and Professional Services.",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Benchmarq is currently available to 5 key industries: Manufacturing, Real Estate, Wholesale, Retail and Professional Services.",
       "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Benchmarq%20is%20currently%20available%20to,Wholesale%2C%20Retail%20and%20Professional%20Services.",
       "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.",
      "url": "https://www.chubb.com/au-en/business/benchmarq-realestate.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.",
       "url": "https://www.chubb.com/au-en/business/benchmarq-realestate.html#:~:text=Ready%20to%20find%20out%20more%3F,Speak%20to%20a%20broker%20today.",
       "document_sha256": "ff4fd10a92337910363391772e05592e609730229710db7865af097324cdf2c4",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood, if shown in the Schedule under the “Limits of Liability” for “Section 1 Property Insurance and Section 2 Business Interruption Combined: Named Cyclone, Bushfire and Flood” as “Not Insured”",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood, if shown in the Schedule under the “Limits of Liability” for “Section 1 Property Insurance and Section 2 Business Interruption Combined: Named Cyclone, Bushfire and Flood” as “Not Insured”",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf#page=54",
       "page": 54,
       "document_sha256": "49ca29f5cf9d66a6eec59e9e5b3132609858c55ff4754dd2c1c6b39877b826db",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.",
       "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Chubb%20Benchmarq%20offers%20commercial%20property,up%20to%20AUD%20%2475%20million.",
       "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf#page=18",
       "page": 18,
       "document_sha256": "49ca29f5cf9d66a6eec59e9e5b3132609858c55ff4754dd2c1c6b39877b826db",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood is excluded only if the Schedule shows it as 'Not Insured', so it is a limit chosen on the schedule.",
     "Buildings are insured where declared as 'Buildings' in the schedule (Buildings means the Property Insured declared by You as 'Buildings'), so buildings cover depends on what is declared."
    ],
    "unoccupied": {
     "days": 30,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Only where the vacancy causes or contributes to the damage; unless notified and Chubb agreed in writing before any damage. Regular checks or contents inside do not stop it counting as unoccupied.",
     "then": null,
     "label": "No cover after 30 days"
    },
    "id": "benchmarq-commercial-property-insurance-for-real-estate",
    "type_label": "Commercial landlord",
    "issuers": [
     {
      "name": "Chubb Insurance Australia Limited",
      "abn": "23001642020",
      "afsl": "239687",
      "lloyds": false,
      "slug": "chubb-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Chubb Insurance Australia 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": "239687",
       "name": "CHUBB INSURANCE AUSTRALIA LTD",
       "abn": "23001642020",
       "acn": null,
       "licensed_since": "2004-01-19",
       "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": "Chubb Benchmarq Commercial Property Insurance for Retail",
    "type": "retail_pack",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Retail businesses with revenue or declared values up to AUD $75 million.",
    "states": null,
    "documents": [
     {
      "title": "Benchmarq Retail Property Policy Wording (02/2025)",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf",
      "date": "2025-02"
     },
     {
      "title": "Chubb Benchmarq overview",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Chubb Benchmarq for Retail Specialised commercial property & broadform liability coverage for risks specific to retail businesses.",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Chubb Benchmarq for Retail Specialised commercial property & broadform liability coverage for risks specific to retail businesses.",
       "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Chubb%20Benchmarq%20for%20Retail%20Specialised,risks%20specific%20to%20retail%20businesses.",
       "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.",
      "url": "https://www.chubb.com/au-en/business/benchmarq-retail.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.",
       "url": "https://www.chubb.com/au-en/business/benchmarq-retail.html#:~:text=Ready%20to%20find%20out%20more%3F,Speak%20to%20a%20broker%20today.",
       "document_sha256": "b51a5cc2b8f766a5862477063763d9bc69807aac5058139f00307a651bee4ddb",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood, if shown in the Schedule under the “Limits of Liability” as “Not Insured”",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood, if shown in the Schedule under the “Limits of Liability” as “Not Insured”",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf#page=53",
       "page": 53,
       "document_sha256": "71926e8fd29d6669c7fa99c05980351fb25ed5ba76a162616e73aba3e8e25cec",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.",
       "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Chubb%20Benchmarq%20offers%20commercial%20property,up%20to%20AUD%20%2475%20million.",
       "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf#page=18",
       "page": 18,
       "document_sha256": "71926e8fd29d6669c7fa99c05980351fb25ed5ba76a162616e73aba3e8e25cec",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood is excluded only if the Schedule shows it as 'Not Insured'."
    ],
    "unoccupied": {
     "days": 30,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Only where the vacancy causes or contributes to the damage; unless notified and Chubb agreed in writing before any damage. Regular checks or contents inside do not stop it counting as unoccupied.",
     "then": null,
     "label": "No cover after 30 days"
    },
    "id": "benchmarq-commercial-property-insurance-for-retail",
    "type_label": "Retail pack",
    "issuers": [
     {
      "name": "Chubb Insurance Australia Limited",
      "abn": "23001642020",
      "afsl": "239687",
      "lloyds": false,
      "slug": "chubb-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Chubb Insurance Australia 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": "239687",
       "name": "CHUBB INSURANCE AUSTRALIA LTD",
       "abn": "23001642020",
       "acn": null,
       "licensed_since": "2004-01-19",
       "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": "Chubb Industrial Special Risks",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Medium to large risks up to and including multinational programmes; industries include manufacturing, utilities, infrastructure, industrial/commercial property owners, engineering, transportation; modern hotels/motels (excluding pubs).",
    "states": null,
    "documents": [],
    "quotes": {
     "product": {
      "text": "Don’t let a fire or other hazards undermine your bottom-line. With this product, your business property and its physical assets are protected against damage from perils, in addition to loss due to operational disruptions.",
      "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Don’t let a fire or other hazards undermine your bottom-line. With this product, your business property and its physical assets are protected against damage from perils, in addition to loss due to operational disruptions.",
       "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html#:~:text=Don%E2%80%99t%20let%20a%20fire%20or,loss%20due%20to%20operational%20disruptions.",
       "document_sha256": "25a38a9c8e0e6350ae5de531b2049d60d65af675bf543727aeb35249d71cd5c5",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.",
      "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.",
       "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html#:~:text=Ready%20to%20experience%20Chubb%27s%20unparalleled,Speak%20to%20a%20broker%20today.",
       "document_sha256": "25a38a9c8e0e6350ae5de531b2049d60d65af675bf543727aeb35249d71cd5c5",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Our product extends from medium to large risks up to and including multinational programmes, giving you the comprehensive coverage you may need.",
      "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our product extends from medium to large risks up to and including multinational programmes, giving you the comprehensive coverage you may need.",
       "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html#:~:text=Our%20product%20extends%20from%20medium,comprehensive%20coverage%20you%20may%20need.",
       "document_sha256": "25a38a9c8e0e6350ae5de531b2049d60d65af675bf543727aeb35249d71cd5c5",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "No public wording; page calls the cover 'Chubb Fire Insurance' / Industrial Special Risks."
    ],
    "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-risks",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Chubb Insurance Australia Limited",
      "abn": "23001642020",
      "afsl": "239687",
      "lloyds": false,
      "slug": "chubb-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Chubb Insurance Australia 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": "239687",
       "name": "CHUBB INSURANCE AUSTRALIA LTD",
       "abn": "23001642020",
       "acn": null,
       "licensed_since": "2004-01-19",
       "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": "Chubb Benchmarq for Manufacturing (commercial property)",
    "type": "industrial_property",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Manufacturing businesses with revenue or declared values of up to AUD $75 million (lower middle market).",
    "states": null,
    "documents": [
     {
      "title": "Benchmarq Manufacturing Property Policy Wording (0424)",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmmg-pw-0424-benchmarq-manufacturing-property-policy-wording.pdf",
      "date": "2024-04-01"
     },
     {
      "title": "Benchmarq Appetite Guide - Manufacturing",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/pdfs/chubb-benchmarq-appetite-guide-manufacturing.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Specialised commercial property & broadform liability coverage for risks specific to the manufacturing industry.",
      "url": "https://www.chubb.com/au-en/business/benchmarq.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Specialised commercial property & broadform liability coverage for risks specific to the manufacturing industry.",
       "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Specialised%20commercial%20property%20%26%20broadform,specific%20to%20the%20manufacturing%20industry.",
       "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Chubb Benchmarq offers ‘big business’ cover, right sized for manufacturing clients with revenue or declared values of up to AUD $75 million.",
      "url": "https://www.chubb.com/au-en/business/benchmarq-manufacturing.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Chubb Benchmarq offers ‘big business’ cover, right sized for manufacturing clients with revenue or declared values of up to AUD $75 million.",
       "url": "https://www.chubb.com/au-en/business/benchmarq-manufacturing.html#:~:text=Chubb%20Benchmarq%20offers%20%E2%80%98big%20business%E2%80%99,up%20to%20AUD%20%2475%20million.",
       "document_sha256": "eb8569017ac21e9b8c07224c1d55299255be790d30573b288c48009056b76177",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:",
      "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmmg-pw-0424-benchmarq-manufacturing-property-policy-wording.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:",
       "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmmg-pw-0424-benchmarq-manufacturing-property-policy-wording.pdf#page=19",
       "page": 19,
       "document_sha256": "469bdb4d192f96714970776a028bfc8d4038a10fa142dbabb85e9fc5f521b889",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Mid-market 'ISR-lite' product; Benchmarq also has a Real Estate version for commercial property owners (not collected in detail)."
    ],
    "unoccupied": {
     "days": 30,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Only where the vacancy causes or contributes to the damage; unless notified and Chubb agreed in writing before any damage. Regular checks or contents inside do not stop it counting as unoccupied.",
     "then": null,
     "label": "No cover after 30 days"
    },
    "id": "benchmarq-for-manufacturing-commercial-property",
    "type_label": "Industrial property",
    "issuers": [
     {
      "name": "Chubb Insurance Australia Limited",
      "abn": "23001642020",
      "afsl": "239687",
      "lloyds": false,
      "slug": "chubb-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Chubb Insurance Australia 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": "239687",
       "name": "CHUBB INSURANCE AUSTRALIA LTD",
       "abn": "23001642020",
       "acn": null,
       "licensed_since": "2004-01-19",
       "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": "Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS License No. 239687) (Chubb) is the insurer and issuer of this product.",
    "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS License No. 239687) (Chubb) is the insurer and issuer of this product.",
     "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=5",
     "page": 5,
     "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Masterpiece is the only Chubb Australia home product found; Chubb's own TMD URL for a March 2026 version (chubbmptmd-0326) returned 404, so the January 2024 TMD is cited. The PDS on the site is dated 02/2022. | Benchmarq wordings are policy wordings for broker placement; no PDS or TMD for Benchmarq property was found on Chubb's PDS and TMD search page (it lists Benchmarq wordings only), so retail-client status is unconfirmed. Chubb also lists Benchmarq for Manufacturing, Wholesale and Professional Services property (not collected). Chubb's older 'General Property Package' wording (03/2022) also exists but is a material damage/transit package, not buildings-focused.",
  "segments": [
   "residential",
   "commercial",
   "industrial"
  ],
  "issuers": [
   {
    "name": "Chubb Insurance Australia Limited",
    "abn": "23001642020",
    "afsl": "239687",
    "lloyds": false,
    "slug": "chubb-insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "Chubb Insurance Australia 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": "239687",
     "name": "CHUBB INSURANCE AUSTRALIA LTD",
     "abn": "23001642020",
     "acn": null,
     "licensed_since": "2004-01-19",
     "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/chubb/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/chubb.json"
 }
}