{
 "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": "vero",
  "name": "Vero",
  "website": "https://www.vero.com.au/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Vero Business Insurance",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Australian-based businesses and not-for-profit organisations operating on an ongoing basis, or commercial property owners; property section covers buildings, contents and stock used by the business (not buildings used only for residential purposes).",
    "states": null,
    "documents": [
     {
      "title": "Vero Business Insurance Policy PDS and Policy Wording (V10162 05/12/24 A)",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf",
      "date": "2024-12-05"
     },
     {
      "title": "Target Market Determination (updated 25/06/2025)",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf",
      "date": "2025-06-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "The Vero Business Insurance Policy product offers a range of covers under 12 policy sections.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Vero Business Insurance Policy product offers a range of covers under 12 policy sections.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=6",
       "page": 6,
       "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Cover for flood is available as an optional insurance.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for flood is available as an optional insurance.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=3",
       "page": 3,
       "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”, the maximum we will pay for any one (1) claim is the total declared value plus the insured amount for specified items.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”, the maximum we will pay for any one (1) claim is the total declared value plus the insured amount for specified items.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf#page=41",
       "page": 41,
       "document_sha256": "ac2357a71597fcccaa9a93204c7c3d76787acf8a8e06016035d7fd30f896ca52",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=5",
       "page": 5,
       "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=6",
       "page": 6,
       "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf#page=20",
       "page": 20,
       "document_sha256": "ac2357a71597fcccaa9a93204c7c3d76787acf8a8e06016035d7fd30f896ca52",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Property Damage (Policy Section 1) is one of 12 selectable sections; the TMD says each section is quoted on offer and acceptance and some sections are mandatory depending on circumstances.",
     "Buildings that are used only for residential purposes are not suitable for this product."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless Vero agrees in writing (may add premium, conditions or a higher excess). For a building owner, untenanted counts. Not for management liability, tax probe or goods in transit.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "business-insurance",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Vero SME Business Insurance (BizCover)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Australian-based businesses and not-for-profit organisations operating on an ongoing basis, or commercial property owners; sold only through brokers or other intermediaries (the policy wording is hosted on BizCover's site).",
    "states": null,
    "documents": [
     {
      "title": "Vero SME Business Insurance PDS and Policy Wording (V11562 30/04/25 A), hosted by BizCover",
      "url": "https://insure.bizcover.com.au/WebForms/Public/PolicyWordings/Vero%20SME%20Business%20Insurance%20V11562%2030-04-25%20A.pdf",
      "date": "2025-04-30"
     },
     {
      "title": "Target Market Determination (updated 25/06/2025)",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf",
      "date": "2025-06-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "Vero SME Business Insurance Policy – Product Disclosure Statement (PDS) & Policy Wording V11562 30/04/25 A and any Supplementary PDS",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Vero SME Business Insurance Policy – Product Disclosure Statement (PDS) & Policy Wording V11562 30/04/25 A and any Supplementary PDS",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=2",
       "page": 2,
       "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) who is authorised by us or our agent to distribute this product;",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) who is authorised by us or our agent to distribute this product;",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=5",
       "page": 5,
       "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Cover for flood is available as an optional insurance.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for flood is available as an optional insurance.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=3",
       "page": 3,
       "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=4",
       "page": 4,
       "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
      "url": "https://insure.bizcover.com.au/WebForms/Public/PolicyWordings/Vero%20SME%20Business%20Insurance%20V11562%2030-04-25%20A.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
       "url": "https://insure.bizcover.com.au/WebForms/Public/PolicyWordings/Vero%20SME%20Business%20Insurance%20V11562%2030-04-25%20A.pdf#page=18",
       "page": 18,
       "document_sha256": "f4ccbccaee2a424f069fd95de6d0c982e56a908110266af3f4d57620fe34a2d8",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The SME policy wording is listed on Vero's own documents page as the BizCover version; the PDS PDF itself was not downloaded."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless Vero agrees in writing (may add premium, conditions or a higher excess). For a building owner, untenanted counts. Not for management liability, tax probe or goods in transit.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "sme-business-insurance-bizcover",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Vero Property Insurance (ISR)",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Industrial Special Risks for companies with total declared values in excess of $5 million; standard ISR wordings with endorsements; broad appetite including high hazard industries.",
    "states": null,
    "documents": [
     {
      "title": "Vero Steadfast Client Trading Platform Industrial Special Risks Policy wording (V10520 06/12/17 B)",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/Steadfast-pdfs/v10520-06-12-17-b-vero-steadfast-sctp-isr-policy-wording-lr.PDF",
      "date": "2017-12-06"
     },
     {
      "title": "Vero Property (ISR) policy documents page",
      "url": "https://www.vero.com.au/vero-steadfast-document-library-101/property-isr.html",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Vero can provide property insurance for medium to large sized organisations, offering expert insurance and risk management solutions for Industrial Special Risks (ISR).",
      "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Vero can provide property insurance for medium to large sized organisations, offering expert insurance and risk management solutions for Industrial Special Risks (ISR).",
       "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html#:~:text=Vero%20can%20provide%20property%20insurance,for%20Industrial%20Special%20Risks%20%28ISR%29.",
       "document_sha256": "ccc711ae3be620e627aee9fdbcffe0a2bf963d782dcac83ebb44bf137ffb47ce",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Our property underwriting specialists work with your broker to provide tailored solutions based on your individual needs.",
      "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our property underwriting specialists work with your broker to provide tailored solutions based on your individual needs.",
       "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html#:~:text=Our%20property%20underwriting%20specialists%20work,based%20on%20your%20individual%20needs.",
       "document_sha256": "ccc711ae3be620e627aee9fdbcffe0a2bf963d782dcac83ebb44bf137ffb47ce",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Industrial Special Risks coverage for companies with total declared values in excess of $5 million",
      "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Industrial Special Risks coverage for companies with total declared values in excess of $5 million",
       "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html#:~:text=Industrial%20Special%20Risks%20coverage%20for,in%20excess%20of%20%245%20million",
       "document_sha256": "ccc711ae3be620e627aee9fdbcffe0a2bf963d782dcac83ebb44bf137ffb47ce",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "(c) whereby any premises containing any Property Insured hereunder shall become unoccupied, and so remain for a period of more than sixty (60) days;",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/Steadfast-pdfs/v10520-06-12-17-b-vero-steadfast-sctp-isr-policy-wording-lr.PDF",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "(c) whereby any premises containing any Property Insured hereunder shall become unoccupied, and so remain for a period of more than sixty (60) days;",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/Steadfast-pdfs/v10520-06-12-17-b-vero-steadfast-sctp-isr-policy-wording-lr.PDF#page=27",
       "page": 27,
       "document_sha256": "42a42100f7d4cf37405c48ffc40cf5be1097b7d63a4dff8e4bd1b5f9e4022627",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The only wording published is the Steadfast-branded ISR wording dated December 2017 (V10520); 'Standard ISR wordings are used with endorsements tailored to client's needs'."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only for loss caused or contributed to by the vacancy; unless notified and agreed in writing. An addendum protects inadvertent failure to notify.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "property-insurance-isr",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Vero Higher Hazard Property (ISR)",
    "type": "isr",
    "segment": "industrial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Well-managed, high-severity occupations (e.g. timber mills, woodworking, plastics, chemical production); minimum total asset value $5,000,000 and 5 years of claims history.",
    "states": null,
    "documents": [
     {
      "title": "Higher Hazard Property Appetite Guide (August 2025)",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf",
      "date": "2025-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Our Higher Hazard Property Insurance is tailored for businesses with well-managed, high-severity occupations, providing specialised solutions backed by risk management to assist you in securing the appropriate coverage for your clients.",
      "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Higher Hazard Property Insurance is tailored for businesses with well-managed, high-severity occupations, providing specialised solutions backed by risk management to assist you in securing the appropriate coverage for your clients.",
       "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html#:~:text=Our%20Higher%20Hazard%20Property%20Insurance,appropriate%20coverage%20for%20your%20clients.",
       "document_sha256": "57ee458432c4e8ce02f1e158b445d95fd98a5989429028d02d7623271d3bb933",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "With Vero Specialty Lines, brokers gain direct access to a dedicated team of underwriters to ensure fast, consistent and personalised support.",
      "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "With Vero Specialty Lines, brokers gain direct access to a dedicated team of underwriters to ensure fast, consistent and personalised support.",
       "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html#:~:text=With%20Vero%20Specialty%20Lines%2C%20brokers,fast%2C%20consistent%20and%20personalised%20support.",
       "document_sha256": "57ee458432c4e8ce02f1e158b445d95fd98a5989429028d02d7623271d3bb933",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Total Asset Value > $5,000,000",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Total Asset Value > $5,000,000",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf#page=3",
       "page": 3,
       "document_sha256": "37091c46f2c9a5bc072c76f9e066194be6a47ed359af2d24d3687b082c5e4718",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied Premises No",
      "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied Premises No",
       "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf#page=5",
       "page": 5,
       "document_sha256": "37091c46f2c9a5bc072c76f9e066194be6a47ed359af2d24d3687b082c5e4718",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Appetite guide lists occupations as Yes/No for Vero Specialty Lines.",
     "Limited appetite for EPS/ACP panel construction; PIR and other non-combustible insulated panels are acceptable."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_accepted",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Outside who the policy is for"
    },
    "id": "higher-hazard-property-isr",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Vero Insurance.",
    "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Vero Insurance.",
     "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf#page=4",
     "page": 4,
     "document_sha256": "ac2357a71597fcccaa9a93204c7c3d76787acf8a8e06016035d7fd30f896ca52",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Vero Insurance is a trading name of AAI Limited (Suncorp group) per the PDS and TMDs. Vero's own documents page lists the business PDS dated 05/12/24 as current (checked 2026-10-16) though an ASIC-instrument update dated 29/07/2026 is also listed. Not verified whether a newer PDS exists. Neither TMD gives turnover or sum-insured limits.",
  "segments": [
   "commercial",
   "industrial"
  ],
  "issuers": [
   {
    "name": "AAI Limited",
    "abn": "48005297807",
    "afsl": "230859",
    "lloyds": false,
    "slug": "aai",
    "apra": {
     "status": "authorised",
     "name": "AAI 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": "230859",
     "name": "AAI LIMITED",
     "abn": "48005297807",
     "acn": null,
     "licensed_since": "2003-11-08",
     "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"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/vero/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/vero.json"
 }
}