{
 "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": "qbe",
  "name": "QBE",
  "website": "https://www.qbe.com/au",
  "kind": "insurer",
  "underwriter": "QBE Insurance (Australia) Limited",
  "underwriter_abn": "78003191035",
  "underwriter_afsl": "239545",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "QBE Small Business Insurance",
    "type": "business_property",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "excluded",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Small businesses in listed occupations; the page gives trades 'up to 5 employees and under $1 million turnover' and hospitality and retail 'up to 10 employees and $2 million turnover'. Business Buildings and Contents is an optional add-on to the Business Liability base cover.",
    "states": null,
    "documents": [
     {
      "title": "QBE Small Business Insurance Policy Wording QM9264-0723",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD",
      "date": "2023-07-15"
     }
    ],
    "quotes": {
     "product": {
      "text": "QBE’s Small Business Insurance automatically comes with Business Liability cover as your base.",
      "url": "https://www.qbe.com/au/business-insurance/small-business",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "QBE’s Small Business Insurance automatically comes with Business Liability cover as your base.",
       "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=QBE%E2%80%99s%20Small%20Business%20Insurance%20automatically,Liability%20cover%20as%20your%20base.",
       "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Buy online and tailor your cover to meet your needs.",
      "url": "https://www.qbe.com/au/business-insurance/small-business",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buy online and tailor your cover to meet your needs.",
       "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=Buy%20online%20and%20tailor%20your%20cover%20to%20meet%20your%20needs.",
       "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Buy online and tailor your cover to meet your needs.",
      "url": "https://www.qbe.com/au/business-insurance/small-business",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buy online and tailor your cover to meet your needs.",
       "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=Buy%20online%20and%20tailor%20your%20cover%20to%20meet%20your%20needs.",
       "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Wind, water and rain (includes snow and hail) and any other liquid discharged, overflowing, leaking or bursting from mains, fixed pipes, gutters, drains, fixed tanks or fixed apparatus used to hold or carry liquids, but not loss or damage: (a) by sea, tidal wave, tsunami, high water, storm surge or flood;",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Wind, water and rain (includes snow and hail) and any other liquid discharged, overflowing, leaking or bursting from mains, fixed pipes, gutters, drains, fixed tanks or fixed apparatus used to hold or carry liquids, but not loss or damage: (a) by sea, tidal wave, tsunami, high water, storm surge or flood;",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=50",
       "page": 50,
       "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "11. Accidental damage (a) Loss of or damage to buildings or contents caused by any accident except loss or damage caused by:",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "11. Accidental damage (a) Loss of or damage to buildings or contents caused by any accident except loss or damage caused by:",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=53",
       "page": 53,
       "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Designed for eligible retail businesses with up to 10 employees and $2 million turnover.",
      "url": "https://www.qbe.com/au/business-insurance/small-business",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Designed for eligible retail businesses with up to 10 employees and $2 million turnover.",
       "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=Designed%20for%20eligible%20retail%20businesses,employees%20and%20%242%20million%20turnover.",
       "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This policy excludes loss, damage or liability during any period in excess of 60 consecutive days during which the business premises are left unoccupied, unless with our written consent (which we will not unreasonably withhold).",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This policy excludes loss, damage or liability during any period in excess of 60 consecutive days during which the business premises are left unoccupied, unless with our written consent (which we will not unreasonably withhold).",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=108",
       "page": 108,
       "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Buildings cover is an add-on: 'Add any of the following to your Small Business Insurance: Business Buildings and Contents, Business Interruption, Portable Items, Glass, Breakdown, Money and Tax Audit.'",
     "Business Interruption can only be added if Business Buildings and Contents is selected.",
     "Buildings include lessors' fixtures and fittings and structural improvements used by the business; buildings used as a residence are excluded.",
     "Flood is not listed among the Insured Events in the QM9264-0723 wording.",
     "Latest wording listed on QBE's page is dated July 2023; not verified whether it is still current."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless QBE gave written consent (not unreasonably withheld). Occupied means used for business at least two days in a row.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "small-business-insurance",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "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": []
      }
     }
    ]
   },
   {
    "name": "QBE Commercial Property Insurance",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Medium to large businesses across industries, including wholesalers, manufacturers, property owners and multinational placements; smaller businesses with high-value assets by arrangement.",
    "states": null,
    "documents": [],
    "quotes": {
     "product": {
      "text": "QBE’s Commercial Property insurance provides cover for a whole range of medium to large businesses covering all types of industries and sectors – including wholesalers, manufacturers, property owners and multinational placements.",
      "url": "https://www.qbe.com/au/business-insurance/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "QBE’s Commercial Property insurance provides cover for a whole range of medium to large businesses covering all types of industries and sectors – including wholesalers, manufacturers, property owners and multinational placements.",
       "url": "https://www.qbe.com/au/business-insurance/property#:~:text=QBE%E2%80%99s%20Commercial%20Property%20insurance%20provides,property%20owners%20and%20multinational%20placements.",
       "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Our Property insurance is available through brokers and QBE authorised representatives.",
      "url": "https://www.qbe.com/au/business-insurance/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Property insurance is available through brokers and QBE authorised representatives.",
       "url": "https://www.qbe.com/au/business-insurance/property#:~:text=Our%20Property%20insurance%20is%20available,brokers%20and%20QBE%20authorised%20representatives.",
       "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Our Property insurance is available through brokers and QBE authorised representatives.",
      "url": "https://www.qbe.com/au/business-insurance/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Property insurance is available through brokers and QBE authorised representatives.",
       "url": "https://www.qbe.com/au/business-insurance/property#:~:text=Our%20Property%20insurance%20is%20available,brokers%20and%20QBE%20authorised%20representatives.",
       "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "We can also provide cover for smaller businesses with high value assets.",
      "url": "https://www.qbe.com/au/business-insurance/property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We can also provide cover for smaller businesses with high value assets.",
       "url": "https://www.qbe.com/au/business-insurance/property#:~:text=We%20can%20also%20provide%20cover,businesses%20with%20high%20value%20assets.",
       "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "QBE says its Business Packages product may suit small and medium businesses instead; that page (qbe.com/au/business-insurance/business-packages) returned a Cloudflare 403 and could not be read.",
     "PDS and TMD are available only from brokers; QBE's TMD page hides broker TMD links behind an accordion that could not be read."
    ],
    "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": "commercial-property-insurance",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "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": []
      }
     }
    ]
   },
   {
    "name": "QBE Home Insurance (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured_buffer",
    "buffer_percent": 30,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owners of a home in Australia used for residential purposes; not for rented-out homes, strata units insured by a body corporate, or homes under construction or unoccupied for more than 90 days.",
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement (QM8697-1124)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763",
      "date": "2024-11-11"
     },
     {
      "title": "Home Insurance Additional Information Guide (QM8700-0425)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=C3990775-94F1-4049-B261-DA6E5F289744",
      "date": "2025-04-01"
     },
     {
      "title": "Home Insurance - Buildings Key Facts Sheet (QM8703-1020)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=1C040A14-8C79-475B-843C-83CD36ADD484",
      "date": "2020-12-10"
     },
     {
      "title": "Target Market Determination (QM9143-0826)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391",
      "date": "2026-08-18"
     }
    ],
    "quotes": {
     "product": {
      "text": "Need home insurance for a property you own and live in? Select cover for your home, its contents, or both.",
      "url": "https://www.qbe.com/au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Need home insurance for a property you own and live in? Select cover for your home, its contents, or both.",
       "url": "https://www.qbe.com/au/home-insurance#:~:text=Need%20home%20insurance%20for%20a,home%2C%20its%20contents%2C%20or%20both.",
       "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Home Insurance – QM8697can only be sold by the following Distribution Channel/s: • QBE; or • An approved Authorised Representative of QBE who operates under our AFS licence.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Home Insurance – QM8697can only be sold by the following Distribution Channel/s: • QBE; or • An approved Authorised Representative of QBE who operates under our AFS licence.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391#page=10",
       "page": 10,
       "document_sha256": "0657d6e187c0fdc3f719a567a8df1ec37720ee63f0a79e585fc9476614aad443",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Get a quote",
      "url": "https://www.qbe.com/au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote",
       "url": "https://www.qbe.com/au/home-insurance#:~:text=Get%20a%20quote",
       "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "If you have the Safeguard and make a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you have the Safeguard and make a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763#page=15",
       "page": 15,
       "document_sha256": "6258924591b716d4a25a394f736703534bccb67384500a4af57a159f0aff9f62",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Cover for damage or loss caused by storm, fire, theft, flood and more",
      "url": "https://www.qbe.com/au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for damage or loss caused by storm, fire, theft, flood and more",
       "url": "https://www.qbe.com/au/home-insurance#:~:text=Cover%20for%20damage%20or%20loss,fire%2C%20theft%2C%20flood%20and%20more",
       "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "If we agree, you can choose to add the Accidental Damage option for an additional premium.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If we agree, you can choose to add the Accidental Damage option for an additional premium.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763#page=50",
       "page": 50,
       "document_sha256": "6258924591b716d4a25a394f736703534bccb67384500a4af57a159f0aff9f62",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a home in Australia used for residential purposes.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a home in Australia used for residential purposes.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391#page=2",
       "page": 2,
       "document_sha256": "0657d6e187c0fdc3f719a567a8df1ec37720ee63f0a79e585fc9476614aad443",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies when: • you do not tell us that your property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your property was first unoccupied.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies when: • you do not tell us that your property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your property was first unoccupied.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763#page=85",
       "page": 85,
       "document_sha256": "6258924591b716d4a25a394f736703534bccb67384500a4af57a159f0aff9f62",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=C3990775-94F1-4049-B261-DA6E5F289744",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=C3990775-94F1-4049-B261-DA6E5F289744#page=4",
       "page": 4,
       "document_sha256": "e16638bbf5f955be5759ed146f068808fd7e9a0dea75203a56036092a304bd7f",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The 30% Buildings Sum Insured Safeguard only applies if it is shown on the Certificate of Insurance ('if eligible' on the product page).",
     "Accidental damage cover is an option added for extra premium, and only if QBE agrees.",
     "The buildings Key Facts Sheet on QBE's site is dated 2020, older than the November 2024 PDS."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "extra_excess",
     "excess": 1500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if you did not tell QBE; not charged for riot, lightning, earthquake, tsunami, collision or falling trees. Agreed periods carry a different excess.",
     "then": {
      "days": 365,
      "effect": "extra_excess",
      "excess": 4500
     },
     "label": "Extra $1,500 excess after 90 days; extra $4,500 excess after 365 days"
    },
    "id": "home-insurance-home-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "locality": "Sydney NSW 2000",
       "source": {
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        "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": []
      }
     }
    ]
   },
   {
    "name": "QBE Landlord Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured_buffer",
    "buffer_percent": 30,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Owners of a residential home in Australia rented to tenants under a lease, or a holiday home rented to paying guests; not for owner-occupiers or strata units insured by a body corporate.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement (QM8699-1124)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF",
      "date": "2024-11-11"
     },
     {
      "title": "Landlord Insurance Additional Information Guide (QM8702-0425)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=6B07394D-C9AA-4824-B039-B30B6676112B",
      "date": "2025-04-01"
     },
     {
      "title": "Target Market Determination (QM9145-0825)",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=276223B4-CEA0-4E6C-888E-B171F6EF5912",
      "date": "2025-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Cover for your rental property and, if it’s furnished, choose cover for your contents too.",
      "url": "https://www.qbe.com/au/home-insurance/landlord-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for your rental property and, if it’s furnished, choose cover for your contents too.",
       "url": "https://www.qbe.com/au/home-insurance/landlord-insurance#:~:text=Cover%20for%20your%20rental%20property,cover%20for%20your%20contents%20too.",
       "document_sha256": "3fa2d1861c1984498739d8d0b85f0024a533fd80cedcc69064dec85e7db12410",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Compare options below and get a QBE Landlord Insurance quote online in minutes.",
      "url": "https://www.qbe.com/au/home-insurance/landlord-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Compare options below and get a QBE Landlord Insurance quote online in minutes.",
       "url": "https://www.qbe.com/au/home-insurance/landlord-insurance#:~:text=Compare%20options%20below%20and%20get,Insurance%20quote%20online%20in%20minutes.",
       "document_sha256": "3fa2d1861c1984498739d8d0b85f0024a533fd80cedcc69064dec85e7db12410",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Compare options below and get a QBE Landlord Insurance quote online in minutes.",
      "url": "https://www.qbe.com/au/home-insurance/landlord-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Compare options below and get a QBE Landlord Insurance quote online in minutes.",
       "url": "https://www.qbe.com/au/home-insurance/landlord-insurance#:~:text=Compare%20options%20below%20and%20get,Insurance%20quote%20online%20in%20minutes.",
       "document_sha256": "3fa2d1861c1984498739d8d0b85f0024a533fd80cedcc69064dec85e7db12410",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "If you have the Safeguard and have a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you have the Safeguard and have a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF#page=14",
       "page": 14,
       "document_sha256": "365de6f4ed2b4965dce38d5fd4ac878beb4b295a93461769bcd5302964aef08b",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Insured Event Storm, storm surge, rain, hail or flood Storm includes cyclone.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Insured Event Storm, storm surge, rain, hail or flood Storm includes cyclone.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF#page=20",
       "page": 20,
       "document_sha256": "365de6f4ed2b4965dce38d5fd4ac878beb4b295a93461769bcd5302964aef08b",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Cover for accidental damage caused by you, your tenant or a paying guest",
      "url": "https://www.qbe.com/au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for accidental damage caused by you, your tenant or a paying guest",
       "url": "https://www.qbe.com/au/home-insurance#:~:text=Cover%20for%20accidental%20damage%20caused,tenant%20or%20a%20paying%20guest",
       "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a home in Australia used for residential purposes that they rent out to tenants under a lease agreement; or",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=276223B4-CEA0-4E6C-888E-B171F6EF5912",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a home in Australia used for residential purposes that they rent out to tenants under a lease agreement; or",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=276223B4-CEA0-4E6C-888E-B171F6EF5912#page=2",
       "page": 2,
       "document_sha256": "1854e66d3e1472f609040a9447b525a38b24ba5f37feb799e269092a92230c6e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies when: • you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies when: • you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF#page=79",
       "page": 79,
       "document_sha256": "365de6f4ed2b4965dce38d5fd4ac878beb4b295a93461769bcd5302964aef08b",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500",
      "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=6B07394D-C9AA-4824-B039-B30B6676112B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500",
       "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=6B07394D-C9AA-4824-B039-B30B6676112B#page=3",
       "page": 3,
       "document_sha256": "6a0345f42bc0efe2256351ce2b31dc2d39a76a02804a160cb6e725e9ff0165ba",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The 30% Buildings Sum Insured Safeguard only applies if it is shown on the Certificate of Insurance."
    ],
    "unoccupied": {
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     "effect": "extra_excess",
     "excess": 1500,
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     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if you did not tell QBE; not charged for riot, lightning, earthquake, tsunami, collision or falling trees. Agreed periods carry a different excess.",
     "then": {
      "days": 365,
      "effect": "extra_excess",
      "excess": 4500
     },
     "label": "Extra $1,500 excess after 90 days; extra $4,500 excess after 365 days"
    },
    "id": "landlord-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "locality": "Sydney NSW 2000",
       "source": {
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        "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 issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239545.",
    "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239545.",
     "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=3",
     "page": 3,
     "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "QBE Business Packages (broker) could not be read because the page is bot-blocked. | qbe.com is behind Cloudflare; page read via headless browser. Page names no ISR product or minimum; a trade-press report of a QBE commercial landlord ISR product for $15m-$50m values is discovery only and not published here. | qbe.com is behind a Cloudflare check; pages and PDFs were read with headless Playwright (Chromium and Firefox) after first visiting the homepage in the same context. QBE strata cover is sold by CHU and underwritten by QBE (page: 'Strata insurance is sold by CHU and underwritten by QBE'), so it is covered under CHU, not here. QBE Commercial Property (broker) and the industrial property page are covered by earlier groups. QBE Business Packages policy wording is not public.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "QBE Insurance (Australia) Limited",
    "abn": "78003191035",
    "afsl": "239545",
    "lloyds": false,
    "slug": "qbe-insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "QBE Insurance (Australia) 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": "239545",
     "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
     "abn": "78003191035",
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     "licensed_since": "2004-03-10",
     "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/qbe/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/qbe.json"
 }
}