{
 "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": "insurance-investment-solutions",
  "name": "Insurance Investment Solutions",
  "website": "https://is-insurance.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "Certain underwriters at Lloyd's",
  "underwriter_abn": null,
  "underwriter_afsl": null,
  "lloyds": true,
  "distributor": {
   "name": "Insurance Investment Solutions (trading as isStrata)",
   "abn": "94604594345",
   "afsl": "487177",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "isStrata Residential Strata Insurance (Lloyd's edition)",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "broker",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Residential Strata PDS RSTRATALLOYDS 2.0 (March 2022)",
      "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf",
      "date": "2022-03-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "isStrata Residential Strata Insurance Policy Wording and Product Disclosure Statement (PDS) RSTRATALLOYDS 2.0 03 2022",
      "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "isStrata Residential Strata Insurance Policy Wording and Product Disclosure Statement (PDS) RSTRATALLOYDS 2.0 03 2022",
       "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=2",
       "page": 2,
       "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology",
      "url": "https://is-insurance.com.au/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology",
       "url": "https://is-insurance.com.au/#:~:text=Purpose%2Dbuilt%20for%20brokers%2C%20coverholders%20and,underwriting%20expertise%20with%20smart%20technology",
       "document_sha256": "c469269bd6cd71e44476ccb81d61ac37ea59187a529c50737bc18b833e27a6e1",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood unless covered under the Flood Optional Benefit",
      "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood unless covered under the Flood Optional Benefit",
       "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=18",
       "page": 18,
       "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "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": "isstrata-residential-strata-insurance-lloyd-s-edition",
    "type_label": "Residential strata",
    "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
     }
    ]
   },
   {
    "name": "isStrata Commercial Strata Insurance (Lloyd's edition)",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Commercial Strata PDS CSTRATALLOYDS 2.0 (March 2022)",
      "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-001-IS-STRATA-Commercial-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-CSTRATALLOYDS-2.0-03.2022-1_compressed.pdf",
      "date": "2022-03-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "We offer insurance for all strata risks, including: Residential Strata Insurance Commercial Strata Insurance",
      "url": "https://is-insurance.com.au/strata-insurance/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We offer insurance for all strata risks, including: Residential Strata Insurance Commercial Strata Insurance",
       "url": "https://is-insurance.com.au/strata-insurance/#:~:text=We%20offer%20insurance%20for%20all,Strata%20Insurance%20Commercial%20Strata%20Insurance",
       "document_sha256": "6fb6af9d79816cf681ffab774d7341f84d711b6da5df2db323fcd8c305cb2ffe",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology",
      "url": "https://is-insurance.com.au/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology",
       "url": "https://is-insurance.com.au/#:~:text=Purpose%2Dbuilt%20for%20brokers%2C%20coverholders%20and,underwriting%20expertise%20with%20smart%20technology",
       "document_sha256": "c469269bd6cd71e44476ccb81d61ac37ea59187a529c50737bc18b833e27a6e1",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "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": "isstrata-commercial-strata-insurance-lloyd-s-edition",
    "type_label": "Commercial strata",
    "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": "any summons, notice or process to be served upon the Insurers may be served upon: Lloyd’s Australia Limited Level 16, Suite 1603, 1 Macquarie Place, Sydney NSW 2000",
    "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "any summons, notice or process to be served upon the Insurers may be served upon: Lloyd’s Australia Limited Level 16, Suite 1603, 1 Macquarie Place, Sydney NSW 2000",
     "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=7",
     "page": 7,
     "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "isStrata is a trading name of Insurance Investment Solutions (IIS), ABN 94 604 594 345 AFSL 487177.",
    "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "isStrata is a trading name of Insurance Investment Solutions (IIS), ABN 94 604 594 345 AFSL 487177.",
     "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=5",
     "page": 5,
     "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "PDS documents on the site are dated 2021-2022; the site also lists older Chubb-backed and other editions (SURA/ Chubb versions, 2021). Current underwriter for new business not confirmed; Lloyd's edition used. Brokers/coverholders only.",
  "segments": [
   "residential",
   "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": "487177",
   "name": "INSURANCE INVESTMENT SOLUTIONS PTY LTD",
   "abn": "94604594345",
   "acn": null,
   "licensed_since": "2016-10-21",
   "locality": "Burradoo NSW 2576",
   "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/insurance-investment-solutions/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/insurance-investment-solutions.json"
 }
}