{
 "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": "msi-oceania",
  "name": "MSIG (Mitsui Sumitomo Insurance)",
  "website": "https://www.msi-oceania.com/",
  "kind": "insurer",
  "underwriter": "Mitsui Sumitomo Insurance Company Limited",
  "underwriter_abn": "49000525637",
  "underwriter_afsl": "240816",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "MSI Industrial Special Risks (ISR)",
    "type": "isr",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [],
    "quotes": {
     "product": {
      "text": "Section 1 of this insurance covers your building, plant, machinery, contents and trade stocks against risks of accidental physical loss or damage",
      "url": "https://www.msi-oceania.com/products/isr/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Section 1 of this insurance covers your building, plant, machinery, contents and trade stocks against risks of accidental physical loss or damage",
       "url": "https://www.msi-oceania.com/products/isr/#:~:text=Section%201%20of%20this%20insurance,accidental%20physical%20loss%20or%20damage",
       "document_sha256": "0950538f1081049b6b36ea4dc0ec76575265599bf7866603802b08d844d644a3",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "No sum-insured threshold, PDS or TMD is published for the ISR product; the site says to contact MSI or your insurance representative."
    ],
    "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": "msi-industrial-special-risks-isr",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Mitsui Sumitomo Insurance Company Limited",
      "abn": "49000525637",
      "afsl": "240816",
      "lloyds": false,
      "slug": "mitsui-sumitomo-insurance",
      "apra": {
       "status": "authorised",
       "name": "Mitsui Sumitomo Insurance 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": "240816",
       "name": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED",
       "abn": "49000525637",
       "acn": null,
       "licensed_since": "2004-02-28",
       "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": "MSI Commercial Motor Insurance Policy is issued by Mitsui Sumitomo Insurance Company Limited ABN 49 000 525 637 AFS Licence No.240816.",
    "url": "https://www.msi-oceania.com/wp-content/themes/msi/assets/pdf/MSI_TMD_Commercial_Motor.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "MSI Commercial Motor Insurance Policy is issued by Mitsui Sumitomo Insurance Company Limited ABN 49 000 525 637 AFS Licence No.240816.",
     "url": "https://www.msi-oceania.com/wp-content/themes/msi/assets/pdf/MSI_TMD_Commercial_Motor.pdf#page=3",
     "page": 3,
     "document_sha256": "bf1e97649c5020e7caaee64a35bd1479a5e5b9d2a1fb9f7183533f46f545d811",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The right domain is msi-oceania.com (msig.com.au is an unrelated medical clinic; msig-asia.com has no Australian property page). The site also lists 'General Property: Wide cover for loss / damage to defined property', which is not clearly building cover and is not recorded.",
  "segments": [
   "industrial"
  ],
  "issuers": [
   {
    "name": "Mitsui Sumitomo Insurance Company Limited",
    "abn": "49000525637",
    "afsl": "240816",
    "lloyds": false,
    "slug": "mitsui-sumitomo-insurance",
    "apra": {
     "status": "authorised",
     "name": "Mitsui Sumitomo Insurance 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": "240816",
     "name": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED",
     "abn": "49000525637",
     "acn": null,
     "licensed_since": "2004-02-28",
     "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/msi-oceania/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/msi-oceania.json"
 }
}