{
 "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": "hollard-commercial",
  "name": "Hollard Commercial Insurance",
  "website": "https://www.hollardcommercial.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "The Hollard Insurance Company Pty Ltd",
  "underwriter_abn": "78090584473",
  "underwriter_afsl": "241436",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Hollard Commercial Business Insurance (Property Damage cover section)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Small to medium Australian businesses, including property owners, wholesale, retail, professional offices, food services and trade contractors, arranged through intermediaries.",
    "states": null,
    "documents": [
     {
      "title": "Hollard Commercial Business Insurance Policy Wording (HCI BI 012022)",
      "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf",
      "date": "2022-01-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Policy incorporates 12 different cover sections of business insurance.",
      "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Policy incorporates 12 different cover sections of business insurance.",
       "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=6",
       "page": 6,
       "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Hollard Commercial Insurance offers commercial insurance products to Australian businesses via insurance intermediaries.",
      "url": "https://www.hollardcommercial.com.au/home",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Hollard Commercial Insurance offers commercial insurance products to Australian businesses via insurance intermediaries.",
       "url": "https://www.hollardcommercial.com.au/home#:~:text=Hollard%20Commercial%20Insurance%20offers%20commercial,Australian%20businesses%20via%20insurance%20intermediaries.",
       "document_sha256": "c82621ff55965287b5f21f10117aba4cb26801f747627c2c0a962528b862ca92",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "When ‘Flood’ is shown as insured in the Policy Schedule, subject to the provisions of the Policy, We will cover loss of or damage to Property Insured caused by Flood",
      "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When ‘Flood’ is shown as insured in the Policy Schedule, subject to the provisions of the Policy, We will cover loss of or damage to Property Insured caused by Flood",
       "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=25",
       "page": 25,
       "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "We specialise in business insurance intended to protect everyday risks for Small to Medium Australian businesses.",
      "url": "https://www.hollardcommercial.com.au/products",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We specialise in business insurance intended to protect everyday risks for Small to Medium Australian businesses.",
       "url": "https://www.hollardcommercial.com.au/products#:~:text=We%20specialise%20in%20business%20insurance,Small%20to%20Medium%20Australian%20businesses.",
       "document_sha256": "07526d4cb4354d019a2aacbc8a9e2d15d8f93704f13d0e1a152b93378219007b",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unless We otherwise agree in writing, We will not pay for any loss or damage to Your Property Insured if the Event happens after Your Premises has been unoccupied for more than 90 consecutive days.",
      "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.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 Your Property Insured if the Event happens after Your Premises has been unoccupied for more than 90 consecutive days.",
       "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=13",
       "page": 13,
       "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "You are insured only for the cover sections shown as insured in the Policy Schedule; Property Damage is one of 12 optional sections.",
     "The only Target Market Determination published on the Hollard Commercial site is for Commercial Motor Vehicle Insurance; none was found for the business insurance product."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, volcanic eruption, tsunami, subterranean fire, impact, falling masts or buildings, riot, civil commotion, strikes",
     "must_tell": true,
     "conditions": "Unoccupied means left vacant even if contents remain. Unless Hollard agreed in writing.",
     "then": null,
     "label": "No cover after 90 days (a few events excepted)"
    },
    "id": "business-insurance-property-damage-cover-section",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "The Hollard Insurance Company Pty Ltd",
      "abn": "78090584473",
      "afsl": "241436",
      "lloyds": false,
      "slug": "hollard-insurance",
      "apra": {
       "status": "authorised",
       "name": "Hollard Insurance Company Pty Ltd (The)",
       "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": "241436",
       "name": "THE HOLLARD INSURANCE COMPANY PTY LTD",
       "abn": "78090584473",
       "acn": null,
       "licensed_since": "2004-03-11",
       "locality": "North Sydney NSW 2060",
       "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 The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436) (‘Hollard’).",
    "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is underwritten by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436) (‘Hollard’).",
     "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=4",
     "page": 4,
     "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Hollard Commercial Insurance Pty Ltd (ABN 86 603 039 023, AFSL 474540) acts as agent for Hollard under a binding authority (policy wording). The wording on the site is dated 17 November 2021, effective 1 January 2022, and is the one the site tells users to download. hollard.com.au itself only points to hollardcommercial.com.au and sells personal lines through Steadfast brokers.",
  "segments": [
   "commercial"
  ],
  "issuers": [
   {
    "name": "The Hollard Insurance Company Pty Ltd",
    "abn": "78090584473",
    "afsl": "241436",
    "lloyds": false,
    "slug": "hollard-insurance",
    "apra": {
     "status": "authorised",
     "name": "Hollard Insurance Company Pty Ltd (The)",
     "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": "241436",
     "name": "THE HOLLARD INSURANCE COMPANY PTY LTD",
     "abn": "78090584473",
     "acn": null,
     "licensed_since": "2004-03-11",
     "locality": "North Sydney NSW 2060",
     "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/hollard-commercial/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/hollard-commercial.json"
 }
}