Cover for Community Property
If you’re part of a Community Association, ensuring your shared property and legal obligations are properly covered is essential. CHU’s Community Association Insurance Plan is specifically designed for associations responsible for managing shared assets such as internal roads, communal gardens, and recreational facilities.
CHU developed Australia’s first Community Association Insurance Plan and is now the country’s leading provider — protecting more community associations than any other insurer. Our tailored policy offers cover for accidental loss or damage to community property, along with protection against key risks faced by associations, including legal liability, voluntary workers, and machinery breakdown.
Your CHU Community Association Insurance Plan quote includes cover for:
- Insured property: Insurance against accidental loss or damage to your building and common area contents from events such as fire, storms and theft
- Voluntary workers: Compensation payable in the event that a volunteer sustains serious bodily injury caused by accidental, visible means whilst working on your behalf
- Liability to others: Protection if you become legally responsible to pay compensation for personal injury or property damage in connection with the common area or insured common property
- Temporary accommodation: Costs incurred from temporary accommodation payable if your community property is made unfit to be occupied for its intended purpose
- Removal and storage of community property: Removal, storage, return and insurance costs payable for the transportation and safe keeping of undamaged community property
- Office bearers’ legal liability - optional: Issued on a claims made basis and indemnifies office bearers should they become legally liable to pay compensation for any wrongful act made whilst carrying out duties within the scope of their position
Community Association Insurance Plan FAQs
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What does the Community Association Insurance Plan cover?
What does the Community Association Insurance Plan cover?
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.
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Who should take out a Community Association Insurance Plan?
Who should take out a Community Association Insurance Plan?
This policy is designed for community associations and their managing committees responsible for insuring shared property and common areas.
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Does this insurance include cover for individual lot owners’ homes or contents?
Does this insurance include cover for individual lot owners’ homes or contents?
No, individual lot owners will need separate Home & Contents or Landlord Insurance to cover their private property and belongings.
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Is Office Bearers’ Legal Liability included automatically?
Is Office Bearers’ Legal Liability included automatically?
No, this is an optional cover that can be added to protect committee members against claims arising from decisions made while performing their duties.
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What is considered community property under this policy?
What is considered community property under this policy?
Community property typically includes shared roads, gardens, fences, utility infrastructure, and facilities like swimming pools or clubhouses.
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Is this type of insurance required by law?
Is this type of insurance required by law?
In most states and territories, insuring community property is a legal requirement for registered community associations.
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What happens if our committee members change?
What happens if our committee members change?
The policy continues to protect the association, and Office Bearers’ cover (if selected) applies to committee members while they are acting within their role.
Why CHU?
24/7 Emergency Hotline
Over 45 years of insurance expertise
Important documents
| Name | Link |
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PDS and policy wording for policies effective 1 October 2023 |
Download |
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What's Changed for policies effective 1 October 2023 |
Download |
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Target Market Determination (TMD) |
Download |
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Key Fact Sheet |
Download |
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PDF Quote Form |
Download |
