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Strata insurance Western Australia

Cover for Perth and beyond

In WA, the Council of Owners must take out insurance on behalf of the Strata Company. Flex Insurance lets you tailor your strata insurance.

Essentials cover

Under WA law – the Strata Titles Act 1985 (WA) and other legislation – body corporates and councils of owners are required to take out certain minimum cover. So Flex Residential Strata Insurance automatically includes insurance for:

  • Your property – which includes the cost of damage and repairs to the buildings and common areas on your property, as well as floor, ceiling and balcony structures, external walls, entry areas, staircases and fire escapes, and the building’s plumbing and wiring.
  • Your liability to others – when someone is injured on common areas or something they own is damaged while at your property, your body corporate may be found liable due to negligence and be ordered to pay compensation. This is covered by your policy’s automatic public liability insurance.

Optional extras

Once you’ve covered the essentials, your committee can choose which optional add-ons it wants to include, such as:

  • Voluntary workers' cover – for anyone who is working voluntarily for your body corporate and suffers an injury.
  • Workers compensation cover – covers loss of income and medical expenses if an employee of your body corporate is injured at work (available as an optional extra in ACT, TAS and WA only).
  • Fidelity guarantee – in case your body corporate falls victim to theft or fraud by a member of your strata committee, and suffers financial loss.
  • Office bearer’s legal liability – helps take care of the cost of legal fees if someone makes a claim against your strata committee members, and they are ordered to pay compensation.
  • Machinery breakdown cover – really handy if your property has lifts, water pumps, common area climate control, shared laundry facilities or other motors that can break down and cost a lot to repair.
  • Catastrophe cover – this often over-looked option kicks in when a widespread declared catastrophe such as a cyclone or bushfire occurs, and your property faces higher repair costs 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 – makes up for the shortfall between the estimated replacement cost of your property and its true 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