{
 "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": "zurich",
  "name": "Zurich",
  "website": "https://www.zurich.com.au/business",
  "kind": "insurer",
  "underwriter": "Zurich Australian Insurance Limited",
  "underwriter_abn": "13000296640",
  "underwriter_afsl": "232507",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Zurich Business Insurance (Business Pack)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Australian small-to-medium enterprises (retailers, tradespeople, professional services, hospitality, light manufacturers) wanting one consolidated policy; Property section covers buildings, stock, machinery and contents.",
    "states": null,
    "documents": [
     {
      "title": "Zurich Business Insurance Policy Wording (ZU09881 V7 10/24)",
      "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf",
      "date": "2024-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Zurich Business Pack Insurance is a flexible business pack for Australian small-to-medium enterprises (SMEs) that combines property, liability, and business interruption cover in a single policy.",
      "url": "https://www.zurich.com.au/business/products/business-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Zurich Business Pack Insurance is a flexible business pack for Australian small-to-medium enterprises (SMEs) that combines property, liability, and business interruption cover in a single policy.",
       "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Zurich%20Business%20Pack%20Insurance%20is,cover%20in%20a%20single%20policy.",
       "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Zurich Business Insurance is available through licensed independent brokers.",
      "url": "https://www.zurich.com.au/business/products/business-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Zurich Business Insurance is available through licensed independent brokers.",
       "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Zurich%20Business%20Insurance%20is%20available%20through%20licensed%20independent%20brokers.",
       "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Zurich Business Insurance is available through licensed independent brokers.",
      "url": "https://www.zurich.com.au/business/products/business-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Zurich Business Insurance is available through licensed independent brokers.",
       "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Zurich%20Business%20Insurance%20is%20available%20through%20licensed%20independent%20brokers.",
       "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Australian business owners, operators, and their subsidiary companies typically small-to-medium enterprises seeking one consolidated policy instead of multiple standalone covers.",
      "url": "https://www.zurich.com.au/business/products/business-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Australian business owners, operators, and their subsidiary companies typically small-to-medium enterprises seeking one consolidated policy instead of multiple standalone covers.",
       "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Australian%20business%20owners%2C%20operators%2C%20and,instead%20of%20multiple%20standalone%20covers.",
       "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "your policy does not provide any cover for the building or premises after the building or that premises has been unoccupied for more than 90 consecutive days.",
      "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "your policy does not provide any cover for the building or premises after the building or that premises has been unoccupied for more than 90 consecutive days.",
       "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf#page=14",
       "page": 14,
       "document_sha256": "901ab358146d0be1e01b1860c167927275e8e6d8c16f9fa9024651efbb1a2d22",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Cover sections are chosen on the policy schedule; the website lists Property as covering physical damage to buildings, stock, machinery and contents.",
     "Flood status for the Business Pack property section was not stated clearly; the wording only excludes flood damage in the first 72 hours of a policy.",
     "No Target Market Determination for the Business Pack appears on Zurich's TMD page (it lists accident, marine, motor and travel TMDs)."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, subterranean fire, impact by vehicles, aircraft, trees or falling structures",
     "must_tell": null,
     "conditions": "Unless Zurich specifically agreed (extra premium may apply); does not apply if the building is partly occupied. Vacant counts even if furniture remains.",
     "then": null,
     "label": "No cover after 90 days (a few events excepted)"
    },
    "id": "business-insurance-business-pack",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "Zurich Australian Insurance Limited",
      "abn": "13000296640",
      "afsl": "232507",
      "lloyds": false,
      "slug": "zurich-australian-insurance",
      "apra": {
       "status": "authorised",
       "name": "Zurich Australian Insurance 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": "232507",
       "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
       "abn": "13000296640",
       "acn": null,
       "licensed_since": "2004-01-31",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Zurich Property Insurance",
    "type": "commercial_landlord",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Property owners, landlords, and businesses holding significant physical assets on-site.",
    "states": null,
    "documents": [],
    "quotes": {
     "product": {
      "text": "You can operate your business with confidence knowing that Zurich can help to protect your buildings and physical assets against the unexpected, including loss or damage due to fire, theft, flood and loss of rental income while repairs are made.",
      "url": "https://www.zurich.com.au/business/products/property-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You can operate your business with confidence knowing that Zurich can help to protect your buildings and physical assets against the unexpected, including loss or damage due to fire, theft, flood and loss of rental income while repairs are made.",
       "url": "https://www.zurich.com.au/business/products/property-insurance#:~:text=You%20can%20operate%20your%20business,income%20while%20repairs%20are%20made.",
       "document_sha256": "bc782980a3d184c6afe491eb3f8fa13be069de0c3ab9f2cb9041123dad500e53",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.",
      "url": "https://www.zurich.com.au/business/products/property-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.",
       "url": "https://www.zurich.com.au/business/products/property-insurance#:~:text=Zurich%20Insurance%20is%20available%20through,right%20cover%20for%20your%20needs.",
       "document_sha256": "bc782980a3d184c6afe491eb3f8fa13be069de0c3ab9f2cb9041123dad500e53",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.",
      "url": "https://www.zurich.com.au/business/products/property-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.",
       "url": "https://www.zurich.com.au/business/products/property-insurance#:~:text=Zurich%20Insurance%20is%20available%20through,right%20cover%20for%20your%20needs.",
       "document_sha256": "bc782980a3d184c6afe491eb3f8fa13be069de0c3ab9f2cb9041123dad500e53",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Suitable for property owners, landlords, and businesses holding significant physical assets on-site.",
      "url": "https://www.zurich.com.au/business",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Suitable for property owners, landlords, and businesses holding significant physical assets on-site.",
       "url": "https://www.zurich.com.au/business#:~:text=Suitable%20for%20property%20owners%2C%20landlords%2C,holding%20significant%20physical%20assets%20on%2Dsite.",
       "document_sha256": "11fb6a16e92b8b71de9aea40deddbc382dc665137a3a27c676798254990374b1",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "No PDS or policy wording for this product is published on Zurich's site; it is placed through brokers on negotiated terms. May also be used for large industrial property."
    ],
    "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": "property-insurance",
    "type_label": "Commercial landlord",
    "issuers": [
     {
      "name": "Zurich Australian Insurance Limited",
      "abn": "13000296640",
      "afsl": "232507",
      "lloyds": false,
      "slug": "zurich-australian-insurance",
      "apra": {
       "status": "authorised",
       "name": "Zurich Australian Insurance 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": "232507",
       "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
       "abn": "13000296640",
       "acn": null,
       "licensed_since": "2004-01-31",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.",
    "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.",
     "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf#page=3",
     "page": 3,
     "document_sha256": "901ab358146d0be1e01b1860c167927275e8e6d8c16f9fa9024651efbb1a2d22",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "All Zurich business insurance is placed through independent brokers. | Zurich's AFSL page lists the licensed entities; no public page found that states which entity issues the property product, so the underwriter is the general-insurance licensee on that list (Zurich Australian Insurance Limited). No public ISR wording.",
  "segments": [
   "commercial"
  ],
  "issuers": [
   {
    "name": "Zurich Australian Insurance Limited",
    "abn": "13000296640",
    "afsl": "232507",
    "lloyds": false,
    "slug": "zurich-australian-insurance",
    "apra": {
     "status": "authorised",
     "name": "Zurich Australian Insurance 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": "232507",
     "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
     "abn": "13000296640",
     "acn": null,
     "licensed_since": "2004-01-31",
     "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"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/zurich/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/zurich.json"
 }
}