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Strata insurance for Queensland

Tailored cover for Brisbane and beyond

When you own a strata property in Queensland your body corporate or community title scheme must take out strata insurance with certain basic cover.

Essentials cover

Under Queensland law – the Body Corporate and Community Management Act 1997 (Qld) and other legislation – a number of items are automatically covered by your Flex Insurance, including:

  • Your property – including the cost of any damage or repairs to your buildings and common areas, such as the floor, ceiling and balcony structures, external walls, lobbies, stairwells and steps, and the building’s plumbing and wiring.
  • Your liability to others – if someone is injured on common areas or their property is damaged while at your address, this public liability insurance covers their expenses and costs that your body corporate is required to pay due to negligence.

Optional extras

Once the basics are looked after however, you can choose a range of options to add to your residential strata insurance, including:

  • Voluntary workers’ cover – insurance for anyone who is injured while doing unpaid work for your body corporate or community title scheme.
  • Fidelity guarantee – covers your body corporate for financial losses due to theft or fraud by a member of your strata committee.
  • Office bearer’s legal liability – can help cover the cost of legal fees if there is a claim against your strata committee members, and any damages or costs you’re ordered by a Court to pay.
  • Machinery breakdown cover – for when there’s a fault with your lifts and elevators, shared washing machines, basement water pumps, fused motors and common area air conditioners.
  • Catastrophe cover – comes into effect after a declared catastrophe such as a cyclone or major flood, and is designed to cover the higher costs of repairs due to the increased demand for builders and tradespeople.
  • Government audit costs and legal expenses cover – provides cover in the event of a government audit, protection if the Body Corporate needs to appeal an unreasonable Order imposed by a statutory body and provides cover for legal defence costs.
  • Lot owners’ fixtures and improvements – looks after any shortfall between the estimated replacement cost of your building versus the actual replacement cost when any improvements or renovations are factored-in for which the Body Corporate was unaware.

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Why choose Flex Insurance?

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Flexibility - design your own policy

Market leading fully flexible strata insurance with the ability to customise your policy to suit your strata building.

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Simple and Affordable

Flex cuts through the confusing insurance jargon with easy to understand strata policies helping you choose the right cover for you.

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24/7 Claims

24/7 claims service and support with emergency assistance to get you back on your feet as soon as possible.

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Over 40 Years of innovation

Brought to you by Australia’s first and leading strata specialist CHU Underwriting Agencies.

Important documents

Name Link
Product Disclosure Statement and Policy Wording for policies effective from 1 January 2022 Download
Product Disclosure Statement and Policy Wording for policies effective from 20 July 2021 Download
Target Market Determination (TMD)
Target Market Determination is a document that describes who the product is appropriate for (target market), and any conditions around how the product can be distributed to customers.
What's changed for PDS and Policy Wording effective 1 January 2022
Outlines key policy changes, and should be read in conjunction with latest Product Disclosure Statement and Policy Wording.
Product Disclosure Statement and Policy Wording for policies effective from February 2021 - 19 July 2021 Download
1 page Flyer Download
Flex Insurance and CHU comparison flyer Download