{
 "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": "qus",
  "name": "QUS (Quality Underwriting Services)",
  "website": "https://qus.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "Certain underwriters at Lloyd's",
  "underwriter_abn": null,
  "underwriter_afsl": null,
  "lloyds": true,
  "distributor": {
   "name": "QUS Pty Ltd",
   "abn": "92122665310",
   "afsl": "321877",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "QUS Strata Select (residential strata)",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "excluded",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of strata-titled buildings, common contents and common areas under strata or community titles legislation, located in Australia excluding Northern Australia.",
    "states": null,
    "documents": [
     {
      "title": "Strata Select PDS & Policy Wording CCQUS SS0726 (9 June 2026)",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Strata-Select-PDS-Policy-Wording-CCQUS-SS0726.pdf",
      "date": "2026-06-09"
     },
     {
      "title": "Target Market Determination - Strata Select (effective 1 July 2026)",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf",
      "date": "2026-07-01"
     }
    ],
    "quotes": {
     "channel": {
      "text": "The insurance products referred to on this website can only be purchased through a broker.",
      "url": "https://qus.com.au/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The insurance products referred to on this website can only be purchased through a broker.",
       "url": "https://qus.com.au/#:~:text=The%20insurance%20products%20referred%20to,be%20purchased%20through%20a%20broker.",
       "document_sha256": "7587ee1c9f45c091b4db813aeb846aa4a396b2582285e6418abd66b0db8e3d92",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "No cover is provided for flood.",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "No cover is provided for flood.",
       "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=3",
       "page": 3,
       "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "the property is located within Australia (excluding Northern Australia)",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the property is located within Australia (excluding Northern Australia)",
       "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=2",
       "page": 2,
       "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a",
       "confirmed": "2026-11-13"
      }
     },
     "product": {
      "text": "Residential Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726",
      "url": "https://qus.com.au/residential-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Residential Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726",
       "url": "https://qus.com.au/residential-strata/#:~:text=Residential%20Strata%20Important%20Documents%3A%20Strata,%26%20Policy%20Wording%20CCQUS%20SS0726",
       "document_sha256": "e832e270480eb87ddda317a5fd7e10dbc95511704d37fe14b7adf59ca1e0ff9f",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood is listed among the exclusions applying to Section 1 (Property Insured)."
    ],
    "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": "strata-select-residential-strata",
    "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": "QUS Strata Select (commercial strata)",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "excluded",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Same Strata Select policy as residential: strata-titled buildings, including commercial or mixed commercial/residential, outside Northern Australia.",
    "states": null,
    "documents": [
     {
      "title": "Strata Select PDS & Policy Wording CCQUS SS0726 (9 June 2026)",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Strata-Select-PDS-Policy-Wording-CCQUS-SS0726.pdf",
      "date": "2026-06-09"
     },
     {
      "title": "Target Market Determination - Strata Select (effective 1 July 2026)",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf",
      "date": "2026-07-01"
     }
    ],
    "quotes": {
     "channel": {
      "text": "The insurance products referred to on this website can only be purchased through a broker.",
      "url": "https://qus.com.au/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The insurance products referred to on this website can only be purchased through a broker.",
       "url": "https://qus.com.au/#:~:text=The%20insurance%20products%20referred%20to,be%20purchased%20through%20a%20broker.",
       "document_sha256": "7587ee1c9f45c091b4db813aeb846aa4a396b2582285e6418abd66b0db8e3d92",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "No cover is provided for flood.",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "No cover is provided for flood.",
       "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=3",
       "page": 3,
       "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "the property is located within Australia (excluding Northern Australia)",
      "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the property is located within Australia (excluding Northern Australia)",
       "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=2",
       "page": 2,
       "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a",
       "confirmed": "2026-11-13"
      }
     },
     "product": {
      "text": "Commercial Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726",
      "url": "https://qus.com.au/commercial-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Commercial Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726",
       "url": "https://qus.com.au/commercial-strata/#:~:text=Commercial%20Strata%20Important%20Documents%3A%20Strata,%26%20Policy%20Wording%20CCQUS%20SS0726",
       "document_sha256": "e48e5346b33e575e3c2b4e7c7b4b2068149b6f5e378596e546a25ad841c22e8f",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Same PDS as the residential product; the proposal records whether the building contains commercial or residential lots or both."
    ],
    "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": "strata-select-commercial-strata",
    "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": "QUS Pty Ltd (ABN 92 122 665 310, AFSL 321877) (‘QUS’) distributes the products acting under a binding authority as agent for the Insurer(s) certain underwriters at Lloyd’s.",
    "url": "https://qus.com.au/",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "QUS Pty Ltd (ABN 92 122 665 310, AFSL 321877) (‘QUS’) distributes the products acting under a binding authority as agent for the Insurer(s) certain underwriters at Lloyd’s.",
     "url": "https://qus.com.au/#:~:text=QUS%20Pty%20Ltd%20%28ABN%2092,Insurer%28s%29%20certain%20underwriters%20at%20Lloyd%E2%80%99s.",
     "document_sha256": "7587ee1c9f45c091b4db813aeb846aa4a396b2582285e6418abd66b0db8e3d92",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Older QUS documents on the site were AIG-backed; the current June 2026 PDS says the insurers are certain underwriters at Lloyd's. One policy (Strata Select) serves both residential and commercial strata. The 'product' quote is the website's document heading naming the policy.",
  "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": "321877",
   "name": "QUS PTY LTD",
   "abn": "92122665310",
   "acn": null,
   "licensed_since": "2008-03-31",
   "locality": "Brisbane QLD 4000",
   "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/qus/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/qus.json"
 }
}