{
 "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": "high-street",
  "name": "High Street Underwriting Agency",
  "website": "https://hsua.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "Certain Underwriters at Lloyd's",
  "underwriter_abn": null,
  "underwriter_afsl": null,
  "lloyds": true,
  "distributor": {
   "name": "High Street Underwriting Agency Pty Limited",
   "abn": "27096939169",
   "afsl": "244370",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "HSUA Commercial Property",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "excluded",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Commercial Property Policy Wording V120624",
      "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
      "date": "2024-06"
     }
    ],
    "quotes": {
     "product": {
      "text": "We will cover You for loss or damage at the Location directly caused by the events listed under ‘Insured Events’, up to the limit shown on Your Policy",
      "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will cover You for loss or damage at the Location directly caused by the events listed under ‘Insured Events’, up to the limit shown on Your Policy",
       "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=18",
       "page": 18,
       "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "If you have any questions regarding the policy or Policy Schedule, please contact Your insurance broker.",
      "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you have any questions regarding the policy or Policy Schedule, please contact Your insurance broker.",
       "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=8",
       "page": 8,
       "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Loss or damage caused: a) by sea, tidal wave, high Water, Flood;",
      "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage caused: a) by sea, tidal wave, high Water, Flood;",
       "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=20",
       "page": 20,
       "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "We will cover You for accidental loss or damage to",
      "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will cover You for accidental loss or damage to",
       "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=19",
       "page": 19,
       "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or liability during any period in excess of 90 consecutive days during which the Business locations are left unoccupied, unless with Our written consent.",
      "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or liability during any period in excess of 90 consecutive days during which the Business locations are left unoccupied, unless with Our written consent.",
       "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=10",
       "page": 10,
       "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Covers buildings, contents and other interests only as shown on the Policy Schedule, so buildings are not automatic.",
     "The Storm, Wind and Water event excludes flood; no flood add-on was found in this wording.",
     "The policy wording PDF is hosted on a broker's website (inshq.com.au); HSUA's own site says wordings are in its broker portal.",
     "No TMD for the property product was found; HSUA publishes only Accident and Health and CPE TMDs."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Unless High Street consented in writing. Occupied means used for business purposes for at least two consecutive days.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "hsua-commercial-property",
    "type_label": "Business property",
    "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
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Underwritten by Certain Underwriters at Lloyd's 100%",
    "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Underwritten by Certain Underwriters at Lloyd's 100%",
     "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=3",
     "page": 3,
     "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "© HSUA 2025 | ABN 27 096 939 169 | AFS License 244370",
    "url": "https://hsua.com.au/",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "© HSUA 2025 | ABN 27 096 939 169 | AFS License 244370",
     "url": "https://hsua.com.au/#:~:text=%C2%A9%20HSUA%202025%20%7C%20ABN,169%20%7C%20AFS%20License%20244370",
     "document_sha256": "dfcfe42713848f7b29ea2f51b5f43fa1697545f5055f42eb0f6a57baf1b31b10",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Property wording found via a broker-hosted copy dated June 2024; current version not confirmed.",
  "segments": [
   "commercial"
  ],
  "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
   }
  ],
  "distributor_licence": {
   "afsl": "244370",
   "name": "HIGH STREET UNDERWRITING AGENCY PTY. LIMITED",
   "abn": "27096939169",
   "acn": null,
   "licensed_since": "2004-03-01",
   "locality": "Brendale QLD 4500",
   "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/high-street/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/high-street.json"
 }
}