Community Association

Community Association Insurance

Insurance for community property, common areas and legal liability. Designed for community associations across Australia.

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Community Property & Common Areas Cover

24/7 Emergency Claims Line

Legal Liability Cover

Temporary Accommodation

What is Community Association Insurance?

Community Association Insurance provides protection for community property and shared assets – including roadways and paths, communal gardens and recreational facilities – along with Legal Liability cover, in line with the policy terms.

What does CHU Community Association Insurance Plan cover?

Our Community Association Insurance Plan can provide cover across a range of areas designed to protect community schemes and their shared assets.

Key covers*

Insured Property Cover

Cover for damage to community property (buildings and common area contents) caused by insured events.

Legal Liability Cover

Protection if you become legally responsible to pay compensation for personal injury or property damage.

Voluntary Workers’ Cover

Compensation payable in the event that a volunteer sustains serious bodily injury caused by accidental, visible means while working on behalf of the community.

Fidelity Guarantee

Protects the Owners Corporation against financial losses resulting from the fraudulent misappropriation of Community Association funds.

Optional Covers*

Office Bearers’ Liability

Indemnifies Office Bearers should they become legally liable to pay compensation for any wrongful act made while carrying out the duties of their position.

Catastrophe Insurance

Provides protection for escalation in the cost of replacing Community Property following a declared catastrophe.

Machinery Breakdown

Repair or replacement of insured machinery items, provided that the item is within your situation and is in the ordinary course of working at the time the damage occurs.

*Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.

Peace of Mind for Common Strata Claims

Some of the most common causes of strata insurance claims* include:

Water damage

Burst pipes

Hail damage

Glass breakage

Storm damage

Power surge

Fire damage

Impact damage

Earthquake damage

*Coverage for these events depends on the insured event, policy conditions and applicable exclusions. Refer to the PDS for full details

Why choose CHU?

Specialist strata insurer since 1978

Leading the way in guiding Australian strata towards a healthy and resilient future.

Almost 1 million properties protected

Providing comprehensive cover that strengthens the communities we serve.

Award-winning underwriting agency

Find out why we’re Australia’s leading strata underwriter.

24/7 Emergency Hotline

Reach our experts exactly when you need them.

Important Documents

Community Association Insurance PDS and policy wording for policies effective 1 October 2023

Encompasses additional and increased benefits over the minimum required by law.

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Community Association Insurance: What’s changed for policies effective 1 October 2023

Outlines key policy changes, and should be read in conjunction with latest Product Disclosure Statement and Policy Wording.

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Community Association Insurance Target Market Determination (TMD)

Describes who the product is appropriate for and any conditions around how the product can be distributed to customers.

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PDF Quote Form – Community Association Insurance

Download and complete a PDF quote form.

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Frequently Asked Questions

A community association is a type of land subdivision where there is a shared use and ownership of community property and amenities. Community associations can include a mix of residential homes and commercial properties spread over a large area of land, with insurance responsibilities divided between common areas and individual lot or home owners.

It covers accidental loss or damage to shared community property, legal liability, volunteer worker injury and optional protections like office bearers’ legal liability for the association’s elected committee members.

This policy is designed for community associations and the managing committees responsible for insuring shared property and community areas.

No, individual lot owners will need separate Home & Contents or Landlord Insurance to cover their private property and belongings.

No, this is an optional cover that can be added to protect committee members against claims arising from decisions made while performing their duties.

Community property varies but typically includes assets such as shared roads and pathways, gardens, fences, utility infrastructure and facilities such as swimming pools or clubhouses that are owned by the association.

In most states and territories, insuring community property is a legal requirement for registered community associations.

The policy continues to protect the association, and Office Bearers’ cover (if selected) applies to committee members while they are acting within their role.

Community Association Insurance

What is Community Association Insurance?