{
 "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": "clover",
  "name": "Clover",
  "website": "https://www.insurance.com.au/business-insurance",
  "kind": "underwriting_agency",
  "underwriter": "Allied World Assurance Company, Ltd (Australia Branch)",
  "underwriter_abn": "54163304907",
  "underwriter_afsl": "548668",
  "lloyds": false,
  "distributor": {
   "name": "insurance.com.au Pty Ltd",
   "abn": null,
   "afsl": "233750",
   "authorised_representative_no": "443422"
  },
  "products": [
   {
    "name": "Clover OneBusiness Pack - Business Building and Contents",
    "type": "business_property",
    "segment": "commercial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "OneBusiness Pack Combined PDS and FSG (Allied World Assurance)",
      "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf",
      "date": "2024-11-28"
     },
     {
      "title": "OneBusiness Pack Combined PDS and FSG (RAC Insurance, v10-23)",
      "url": "https://www.insurance.com.au/getContentAsset/4365d5d2-3f51-4a10-8b88-eca9c3204d11/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Pack-Insurance-v10-23.pdf",
      "date": "2023-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Business Building and Contents insurance, also known as Commercial Property insurance, provides financial protection against unexpected insured events that may cause damage to or destroy physical assets.",
      "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Business Building and Contents insurance, also known as Commercial Property insurance, provides financial protection against unexpected insured events that may cause damage to or destroy physical assets.",
       "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents#:~:text=Business%20Building%20and%20Contents%20insurance%2C,to%20or%20destroy%20physical%20assets.",
       "document_sha256": "f0334ecbd4fd7083da7720543ca1ef2949e7a9d519fb895c23cd134512f791e3",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood and theft coverage is only included in the insurance policy upon selection.",
      "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood and theft coverage is only included in the insurance policy upon selection.",
       "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents#:~:text=Flood%20and%20theft%20coverage%20is,the%20insurance%20policy%20upon%20selection.",
       "document_sha256": "f0334ecbd4fd7083da7720543ca1ef2949e7a9d519fb895c23cd134512f791e3",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "We do not cover any loss, damage or liability if You have not used Your Location for Business purposes for at least 2 consecutive days in the previous sixty (60) consecutive days, unless We agreed in writing to cover Your unoccupied Location.",
      "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We do not cover any loss, damage or liability if You have not used Your Location for Business purposes for at least 2 consecutive days in the previous sixty (60) consecutive days, unless We agreed in writing to cover Your unoccupied Location.",
       "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf#page=38",
       "page": 38,
       "document_sha256": "156d13c16de55c889ca75165138f0a58eceff6d5462d12f1b6aca30a1e5418a8",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "You will only be covered under the Business Building and Contents section where it is shown as 'Insured' in the Policy Schedule, so buildings cover is optional.",
     "The policy excludes flood unless shown as insured in the policy schedule.",
     "Designed to cover the buildings, contents and stock that a business owns or leases."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Unoccupied means not used for business purposes for at least 2 consecutive days in the previous 60. Unless the insurer agreed in writing.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "onebusiness-pack-business-building-and-contents",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "Allied World Assurance Company, Ltd (Australia Branch)",
      "abn": "54163304907",
      "afsl": "548668",
      "lloyds": false,
      "slug": "allied-world-assurance",
      "apra": {
       "status": "authorised",
       "name": "Allied World Assurance Company 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": "548668",
       "name": "ALLIED WORLD ASSURANCE COMPANY, LTD",
       "abn": "54163304907",
       "acn": null,
       "licensed_since": "2023-09-14",
       "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": "This insurance is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907, AFSL 548668",
    "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907, AFSL 548668",
     "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf#page=4",
     "page": 4,
     "document_sha256": "156d13c16de55c889ca75165138f0a58eceff6d5462d12f1b6aca30a1e5418a8",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "insurance.com.au Pty Ltd is an Authorised Representative AFSRN 443422 of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.",
    "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "insurance.com.au Pty Ltd is an Authorised Representative AFSRN 443422 of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.",
     "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents#:~:text=insurance.com.au%20Pty%20Ltd%20is%20an,096%20916%20184%20AFSL%20233750.",
     "document_sha256": "f0334ecbd4fd7083da7720543ca1ef2949e7a9d519fb895c23cd134512f791e3",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Clover Insurance Pty Ltd (ABN 19653550371, AFSL 538528) is the underwriting agency. The insurance.com.au site lists two PDS versions for the same pack: an older one (v10-23) underwritten by RAC Insurance Pty Ltd (ABN 59094685882, AFSL 231222, a subsidiary of the Royal Automobile Club of WA) and a Nov 2024 version underwritten by Allied World. Allied World is recorded as the current underwriter because its PDS is dated later, but the site does not say which applies to a new policy. No TMD for the pack was found, so eligibility is null. Channel and online_quote are null: insurance.com.au offers a 'Get a quote' flow but the PDS refers to 'your insurance broker', and no sentence settles it. The distributor ABN is not stated in the sources read.",
  "segments": [
   "commercial"
  ],
  "issuers": [
   {
    "name": "Allied World Assurance Company, Ltd (Australia Branch)",
    "abn": "54163304907",
    "afsl": "548668",
    "lloyds": false,
    "slug": "allied-world-assurance",
    "apra": {
     "status": "authorised",
     "name": "Allied World Assurance Company 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": "548668",
     "name": "ALLIED WORLD ASSURANCE COMPANY, LTD",
     "abn": "54163304907",
     "acn": null,
     "licensed_since": "2023-09-14",
     "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": {
   "afsl": "233750",
   "name": "COMMUNITY BROKER NETWORK PTY LTD",
   "abn": "60096916184",
   "acn": null,
   "licensed_since": "2003-11-01",
   "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/clover/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/clover.json"
 }
}