{
 "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": "suu",
  "name": "Strata Unit Underwriters (SUU)",
  "website": "https://www.suu.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "CGU Australia Pty Ltd",
  "underwriter_abn": "62004478960",
  "underwriter_afsl": "700014",
  "lloyds": false,
  "distributor": {
   "name": "Strata Unit Underwriting Agency Pty Limited (corporate authorised representative of Austagencies Pty Ltd)",
   "abn": "30089201534",
   "afsl": "244584",
   "authorised_representative_no": "1315935"
  },
  "products": [
   {
    "name": "SUU Residential Strata Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "broker",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Strata-titled or similar entities responsible for insuring a predominantly residential building; not for individual lot owners.",
    "states": null,
    "documents": [
     {
      "title": "Residential Strata Insurance Policy Wording (10-2025)",
      "url": "https://www.suu.com.au/app/uploads/2026/04/Residential-Strata-Insurance-Policy-Wording-10-2025.pdf",
      "date": "2025-10-01"
     },
     {
      "title": "Residential Strata Policy Overview (07-2025)",
      "url": "https://www.suu.com.au/app/uploads/2026/04/Residential-Strata-Insurance-Policy-Overview-07-2025.pdf",
      "date": "2025-07-01"
     },
     {
      "title": "Target Market Determination TMDRS001 REV3 (effective 1 October 2025)",
      "url": "https://www.suu.com.au/app/uploads/2026/04/TMDRS001_REV3_1025-Residential-Strata.pdf",
      "date": "2025-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "SUU’s residential strata cover is designed to protect you with comprehensive sections and practical benefits that support confidence in strata living.",
      "url": "https://www.suu.com.au/residential-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "SUU’s residential strata cover is designed to protect you with comprehensive sections and practical benefits that support confidence in strata living.",
       "url": "https://www.suu.com.au/residential-strata/#:~:text=SUU%E2%80%99s%20residential%20strata%20cover%20is,support%20confidence%20in%20strata%20living.",
       "document_sha256": "da6919e1b19798635da763bde761b51d6dadd07040992c4b7bda52a52a17a204",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.",
      "url": "https://www.suu.com.au/about/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.",
       "url": "https://www.suu.com.au/about/#:~:text=SUU%20Online%20is%20introduced%20to,information%20when%20dealing%20with%20SUU.",
       "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood cover considered on request",
      "url": "https://www.suu.com.au/residential-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood cover considered on request",
       "url": "https://www.suu.com.au/residential-strata/#:~:text=Flood%20cover%20considered%20on%20request",
       "document_sha256": "da6919e1b19798635da763bde761b51d6dadd07040992c4b7bda52a52a17a204",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The Building is used predominantly for residential purposes",
      "url": "https://www.suu.com.au/app/uploads/2026/04/TMDRS001_REV3_1025-Residential-Strata.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Building is used predominantly for residential purposes",
       "url": "https://www.suu.com.au/app/uploads/2026/04/TMDRS001_REV3_1025-Residential-Strata.pdf#page=1",
       "page": 1,
       "document_sha256": "1f4635f7d33ccac9d238d968b1abde547e8351586dededf470083f7aa4dfcefa",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood is not standard: 'considered on request' (TMD: 'flood (subject to availability)')."
    ],
    "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": "residential-strata-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "CGU Australia Pty Ltd",
      "abn": "62004478960",
      "afsl": "700014",
      "lloyds": false,
      "slug": "cgu-australia",
      "apra": {
       "status": "authorised",
       "name": "CGU Australia Pty Ltd",
       "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": "700014",
       "name": "CGU AUSTRALIA PTY LTD",
       "abn": "62004478960",
       "acn": null,
       "licensed_since": "2025-05-09",
       "locality": "Melbourne VIC 3000",
       "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": "SUU Commercial Strata Insurance",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Commercial, office, retail and mixed-use strata within SUU's underwriting guidelines; industrial strata complexes no longer offered.",
    "states": null,
    "documents": [
     {
      "title": "Commercial Strata Insurance Policy Wording (10-2025)",
      "url": "https://www.suu.com.au/app/uploads/2026/04/Commercial-Strata-Insurance-Policy-Wording-10-2025.pdf",
      "date": "2025-10-01"
     },
     {
      "title": "Commercial/Residential Strata Policy Overview (07-2025)",
      "url": "https://www.suu.com.au/app/uploads/2026/04/SUU_CommStrataandResStrata_PolicyOverview2025-07-2025.pdf",
      "date": "2025-07-01"
     },
     {
      "title": "Target Market Determination TMDCS001 REV4 (effective 19 December 2025)",
      "url": "https://www.suu.com.au/app/uploads/2026/04/TMDCS001_rev4.pdf",
      "date": "2025-12-19"
     }
    ],
    "quotes": {
     "product": {
      "text": "SUU’s specialised strata insurance products are uniquely designed to provide superior, comprehensive insurance coverage to promote peace of mind in strata ownership.",
      "url": "https://www.suu.com.au/commercial-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "SUU’s specialised strata insurance products are uniquely designed to provide superior, comprehensive insurance coverage to promote peace of mind in strata ownership.",
       "url": "https://www.suu.com.au/commercial-strata/#:~:text=SUU%E2%80%99s%20specialised%20strata%20insurance%20products,of%20mind%20in%20strata%20ownership.",
       "document_sha256": "eaba3fa80a9b67cd3a2f46979f8241d85bd985f8d1c1594e46e9c79fbb20c3a2",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.",
      "url": "https://www.suu.com.au/about/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.",
       "url": "https://www.suu.com.au/about/#:~:text=SUU%20Online%20is%20introduced%20to,information%20when%20dealing%20with%20SUU.",
       "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Storm surge cover resultant from named cyclone (flood cover considered on request)",
      "url": "https://www.suu.com.au/commercial-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Storm surge cover resultant from named cyclone (flood cover considered on request)",
       "url": "https://www.suu.com.au/commercial-strata/#:~:text=Storm%20surge%20cover%20resultant%20from,%28flood%20cover%20considered%20on%20request%29",
       "document_sha256": "eaba3fa80a9b67cd3a2f46979f8241d85bd985f8d1c1594e46e9c79fbb20c3a2",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Please note SUU no longer offers insurance policies for industrial strata complexes. We do continue to provide quotes and renewals for all other commercial strata, offices, retail and mix use strata policies that fall within our underwriting guidelines.",
      "url": "https://www.suu.com.au/commercial-strata/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Please note SUU no longer offers insurance policies for industrial strata complexes. We do continue to provide quotes and renewals for all other commercial strata, offices, retail and mix use strata policies that fall within our underwriting guidelines.",
       "url": "https://www.suu.com.au/commercial-strata/#:~:text=Please%20note%20SUU%20no%20longer,fall%20within%20our%20underwriting%20guidelines.",
       "document_sha256": "eaba3fa80a9b67cd3a2f46979f8241d85bd985f8d1c1594e46e9c79fbb20c3a2",
       "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": "commercial-strata-insurance",
    "type_label": "Commercial strata",
    "issuers": [
     {
      "name": "CGU Australia Pty Ltd",
      "abn": "62004478960",
      "afsl": "700014",
      "lloyds": false,
      "slug": "cgu-australia",
      "apra": {
       "status": "authorised",
       "name": "CGU Australia Pty Ltd",
       "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": "700014",
       "name": "CGU AUSTRALIA PTY LTD",
       "abn": "62004478960",
       "acn": null,
       "licensed_since": "2025-05-09",
       "locality": "Melbourne VIC 3000",
       "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": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.",
    "url": "https://www.suu.com.au/about/",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.",
     "url": "https://www.suu.com.au/about/#:~:text=Insurance%20is%20issued%20by%20Strata,700014%20trading%20as%20CGU%20Insurance.",
     "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.",
    "url": "https://www.suu.com.au/about/",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.",
     "url": "https://www.suu.com.au/about/#:~:text=Insurance%20is%20issued%20by%20Strata,700014%20trading%20as%20CGU%20Insurance.",
     "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Formerly an IAG business; sold to AUB Group in 2022 and capacity still provided by CGU (IAG). Website has a broker portal (SUU Online); channel treated as broker. The footer says the policy is issued under authority from CGU Australia Pty Ltd, and the TMDs name CGU as issuer.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "CGU Australia Pty Ltd",
    "abn": "62004478960",
    "afsl": "700014",
    "lloyds": false,
    "slug": "cgu-australia",
    "apra": {
     "status": "authorised",
     "name": "CGU Australia Pty Ltd",
     "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": "700014",
     "name": "CGU AUSTRALIA PTY LTD",
     "abn": "62004478960",
     "acn": null,
     "licensed_since": "2025-05-09",
     "locality": "Melbourne VIC 3000",
     "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": {
   "afsl": "244584",
   "name": "AUSTAGENCIES PTY LTD",
   "abn": "76006090464",
   "acn": null,
   "licensed_since": "2004-03-10",
   "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"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/suu/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/suu.json"
 }
}