--- title: "Commercial Strata Insurance Australia | Hutch Underwriting" description: "Commercial strata insurance for body corporates and strata managers. Quote in under 7 minutes via Sunrise. $25M sum insured, $30M liability. Learn more." type: article version: 2 version_id: "1b77c124-8946-404a-a6d3-4eddd651a9a1" generated_at: "2026-07-29T00:28:11.798Z" author: "certain underwriters at Lloyd" language: en-au reading_time: "7 min" word_count: 1394 keywords: ["Commercial Strata Insurance Australia", "Hutch Underwriting", "Commercial Strata Insurance", "Cover That Means Business", "Underwriter Spotlight"] url: "https://hutchunderwriting.com.au/strata-insurance/commercial" --- # Commercial Strata Insurance Australia | Hutch Underwriting > Commercial strata insurance for body corporates and strata managers. Quote in under 7 minutes via Sunrise. $25M sum insured, $30M liability. Learn more. ## Key Takeaways - Cover That Means Business - Key Covers and Appetite - Downloads - How do brokers quote and bind Hutch Commercial Strata insurance? - What happens when a commercial strata risk goes to referral? ## Contents - [Cover That Means Business](#cover-that-means-business) - [Key Covers and Appetite](#key-covers-and-appetite) - [Downloads](#downloads) - [How do brokers quote and bind Hutch Commercial Strata insurance?](#how-do-brokers-quote-and-bind-hutch-commercial-strata-insurance) - [What happens when a commercial strata risk goes to referral?](#what-happens-when-a-commercial-strata-risk-goes-to-referral) - [Underwriter Spotlight](#underwriter-spotlight) # Commercial Strata Insurance ## Cover That Means Business Quote via Sunrise (HUTCS) #### $25M Max Buildings and Contents Sum Insured. #### $30M Liability Limit. #### < 7 Min Auto-quote and bind for straightforward risks. (Based on internal testing with 21 tenancies). #### 1 Business Day 75% of referrals turned around within 1 business day. (Based on a 12-month average). Limits shown are maximums available. Sub-limits, conditions, and exclusions apply. [See the PDS](/latest-hcs-pds) for full terms. ## Key Covers and Appetite ### What does Hutch commercial strata insurance cover? Hutch Commercial Strata is an eight-section policy covering: 1. Buildings and common contents **Optional covers:** flood (where available), additional catastrophe cover, unit owners' fixtures and improvements. 2. Property owner's legal liability 3. Voluntary workers' personal accident 4. Fidelity guarantee 5. Office bearers liability 6. Machinery breakdown 7. Government audit, health and safety, and legal expenses 8. Cyber Refer to the [latest PDS](/latest-hcs-pds) for full details of covers, limits, conditions, and exclusions. [Latest PDS](/latest-hcs-pds)  [Broker Fact Sheet](/latest-hcs-fact-sheet) ### Cover that means business **Underwritten by certain underwriters at Lloyd’s** #### Maximum Available Limits The figures below are the maximum available limits. Cover is subject to the terms, conditions, sub-limits, and exclusions in the [PDS](/lates-hcs-pds). - **Buildings & Common Contents** – Up to $25M Combined Sum Insured - **Property owner's legal liability** – Up to $30M - **Voluntary workers' personal accident** – up to $300,000 / $3,000 weekly. - **Fidelity guarantee** – Up to $250,000 for loss of body corporate funds through fraudulent misappropriation. - **Office bearers' liability** – Up to $10M - **Machinery breakdown** – Up to $500,000 for repair or replacement following sudden mechanical failure. - **Government audit, health and safety, and legal expenses** \- $25k, $100k, $50k respectively - **Cyber** – Up to $25k #### **Pet liability** Cover for the body corporate's legal liability for accidental injury to or death of a resident's domestic pet in common areas. A market first. #### **Cybercrime** An optional extension covering loss of body corporate funds from cybercrime and defence costs from a data breach. ### What is Hutch's commercial strata appetite? #### Occupancy appetite Over 1,400 occupancies, including retail, office, medical, and some manufacturing and wholesale tenancies (which will be assessed on a case-by-case basis), are all within appetite. No ANZSIC-level occupancy required for straightforward low-risk tenancies. For buildings where residential use exceeds 79%, Hutch's [Residential Strata](/strata-insurance/residential) product, is the appropriate solution. **Not sure if your risk qualifies?** Contact the [Hutch underwriting team](/broker-support) before submitting.  ## Downloads Policy Documents ### HCS1 Effective 28/07/26 * * * [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HCS1/Hutch%20Commercial%20Strata%20Product%20Fact%20Sheet%20HCS1.pdf) [Product Factsheet](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HCS1/Hutch%20Commercial%20Strata%20Product%20Fact%20Sheet%20HCS1.pdf) 1 ### Other Available Documents ### Hutch Commercial Strata Quote Form [Get on the Level](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/TMD/Hutch%20Commercial%20Strata%20TMD.pdf) ### Hutch FSG [Know Before You Go](https://hutchunderwriting.com.au/hubfs/PDFs/Compliance/Hutch-FSG.pdf) ### Hutch TMD [Target: Acquired](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/TMD/Hutch%20Commercial%20Strata%20TMD.pdf) ## How do brokers quote and bind Hutch Commercial Strata insurance? You've got a mile-long to-do list, a never-ending inbox, and your clients need their policies bound urgently. We have built our quoting setup around that reality. ### Ebix Sunrise Exchange Hutch Commercial Strata is available via Ebix Sunrise Exchange. Digital tools that are available 24x7x365. When quoting with Sunrise, there is no double keying, no closings and invoices are automatically populated. Log in, search HUTCS, enter the risk details, and bind. ## What happens when a commercial strata risk goes to referral? Don't freak out if your strata account falls outside our auto-quotation parameters and needs to go to referral. Hutch Underwriters react faster than Chuck Norris. Referrals land with underwriters who know strata in detail. Submit it and get on with your day. 75% of strata referrals are turned around within one business day, based on a 12-month rolling average. Our property team will have you strutting around the office like the bad-ass you truly are. Chuck has got nothing on us. ## Underwriter Spotlight ### Gayle Harmar ### Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. [Learn More](/gayle-harmar) --- ## Frequently Asked Questions ### What does Hutch commercial strata insurance cover? Hutch Commercial Strata is an eight-section policy covering: Refer to the latest PDS for full details of covers, limits, conditions, and exclusions. Latest PDS  Broker Fact Sheet Cover that means business Underwritten by certain underwriters at Lloyd’s Maximum Available Limits The figures below are the maximum available limits. Cover is subject to the terms, conditions, sub-limits, and exclusions in the PDS. Buildings & Common Contents– Up to $25M Combined Sum Insured Property owner's legal liability– Up to $30M Voluntary workers' personal accident– up to $300,000 / $3,000 weekly. Fidelity guarantee– Up to $250,000 for loss of body corporate funds through fraudulent misappropriation. Office bearers' liability– Up to $10M Machinery breakdown– Up to $500,000 for repair or replacement following sudden mechanical failure. Government audit, health and safety, and legal expenses- $25k, $100k, $50k respectively Cyber– Up to $25k Pet liability Cover for the body corporate's legal liability for accidental injury to or death of a resident's domestic pet in common areas. A market first. Cybercrime An optional extension covering loss of body corporate funds from cybercrime and defence costs from a data breach. Cover that means business Underwritten by certain underwriters at Lloyd’s Maximum Available Limits The figures below are the maximum available limits. Cover is subject to the terms, conditions, sub-limits, and exclusions in the PDS. Pet liability Cover for the body corporate's legal liability for accidental injury to or death of a resident's domestic pet in common areas. A market first. Cybercrime An optional extension covering loss of body corporate funds from cybercrime and defence costs from a data breach. ### How do brokers quote and bind Hutch Commercial Strata insurance? You've got a mile-long to-do list, a never-ending inbox, and your clients need their policies bound urgently. We have built our quoting setup around that reality. Ebix Sunrise Exchange Hutch Commercial Strata is available via Ebix Sunrise Exchange. Digital tools that are available 24x7x365. When quoting with Sunrise, there is no double keying, no closings and invoices are automatically populated. Log in, search HUTCS, enter the risk details, and bind. ### What happens when a commercial strata risk goes to referral? Don't freak out if your strata account falls outside our auto-quotation parameters and needs to go to referral. Hutch Underwriters react faster than Chuck Norris. Referrals land with underwriters who know strata in detail. Submit it and get on with your day. 75% of strata referrals are turned around within one business day, based on a 12-month rolling average. Our property team will have you strutting around the office like the bad-ass you truly are. Chuck has got nothing on us. Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More Underwriter Spotlight Gayle Harmar Head of Property Gayle's team of property underwriters spans Hutch’s Strata and Landlords products. Harmar brings over two decades of experience across personal and commercial lines in both the UK and Australia. Learn More --- ## About This Content **Source:** [Commercial Strata Insurance Australia | Hutch Underwriting](https://hutchunderwriting.com.au/strata-insurance/commercial) **Author:** certain underwriters at Lloyd *This content is provided for informational purposes. Please visit the original source for the most up-to-date information.*