We provide strata insurance for schemes of all sizes and configurations, from small duplex developments and townhouse complexes through to large high-rise apartment buildings, commercial strata offices, and mixed-use developments combining residential, retail, and commercial lots. Our team understands the unique insurance requirements of strata title properties, where collective ownership of common property creates obligations for the owners corporation to maintain specific insurances under state and territory strata legislation. We structure policies that cover the building and common property for full replacement cost including demolition and debris removal, professional fees, and the additional costs of complying with current building codes that often significantly exceed original construction costs for older buildings.

As an independent broker, we access specialist strata insurers who understand the complexities of body corporate management, including the allocation of insurable interest between common property and individual lots, the challenges of accurately valuing mixed-use or heritage buildings, and the implications of building defects that have become increasingly prevalent across the Australian strata sector. We ensure building sums insured reflect current construction costs through regular valuation assessments, protecting the scheme from the consequences of underinsurance that could leave lot owners substantially out of pocket following a major loss. We arrange coverage that clearly addresses the boundary between strata building insurance and individual lot owner contents policies, minimising disputes about responsibility when damage affects both common property and individual lots.

Our services include comprehensive office bearer liability coverage protecting committee members from personal exposure to claims arising from their governance decisions, and voluntary worker coverage for residents assisting with scheme maintenance. We arrange legal liability coverage for the owners corporation responding to third-party injury or property damage claims arising from common areas, and machinery breakdown coverage for lifts, pool equipment, air conditioning systems, and other shared mechanical plant. For schemes facing building defect remediation, cladding replacement, or waterproofing rectification works, we arrange specialist coverage for the remediation project itself and ensure existing strata insurance responds appropriately during construction activities.

From boutique residential schemes through to large commercial strata complexes and community title developments, we deliver strata insurance solutions that satisfy legislative requirements and provide genuine protection for collective property assets. Our focus is on accurate building valuations, comprehensive policy coverage, and proactive renewal management that keeps committees informed and ensures the scheme's insurance programme remains compliant and competitive year after year.