--- title: "Policy Document Library" description: "Policy Document Library. All Hutch product wordings, fact sheets, TMDs, and proposal forms in one place. Find the version you need, fast." type: article version: 3 version_id: "da07be35-a4f8-4426-b23c-bd0a474f8f62" generated_at: "2026-09-16T02:55:15.051Z" language: en-au reading_time: "9 min" word_count: 1648 keywords: ["Policy Document Library"] url: "https://hutchunderwriting.com.au/policy-document-library" --- # Policy Document Library > Policy Document Library. All Hutch product wordings, fact sheets, TMDs, and proposal forms in one place. Find the version you need, fast. ## Key Takeaways - Property - Financial Lines - Construction & Trades # Policy Document Library ### Property **Strata**  Residential | Commercial **Landlords**  Residential ### Financial Lines Management Liability Professional Indemnity ### Construction & Trades **Construction**  Annual | Single Project Trade Pack ### Property #### Residential Strata - #### HRS9 (Effective 20/05/26)  [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf)  [Fact Sheet](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Product%20Fact%20Sheet%20HRS9.pdf)  [Summary of Key Changes](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20PDS%20Summary%20of%20Key%20Changes%20HRS9.pdf) HRS8 (Effective 06/03/25 - 19/05/26)  [PDS](/hubfs/PDFs/Strata/HRS8/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS8.pdf)  [Fact Sheet](/hubfs/PDFs/Strata/HRS8/Hutch%20Residential%20Strata%20Product%20Fact%20Sheet%20HRS8.pdf)  [Summary of Key Changes](/hubfs/PDFs/Strata/HRS8/Hutch%20Residential%20Strata%20PDS%20Summary%20of%20Key%20Changes%20HRS8.pdf) HRS7 (Effective 06/09/24 - 05/03/25)  [PDS](/hubfs/PDFs/Strata/HRS7/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS7.pdf)  [Fact Sheet](/hubfs/PDFs/Strata/HRS7/Hutch%20Residential%20Strata%20Product%20Fact%20Sheet%20HRS7.pdf)  [Summary of Key Changes](/hubfs/PDFs/Strata/HRS7/Hutch%20Residential%20Strata%20PDS%20Summary%20of%20Key%20Changes%20HRS7.pdf) HRS6 (Effective 12/04/24 - 05/09/24)  [PDS](/hubfs/PDFs/Strata/HRS6/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS6.pdf)  [Fact Sheet](/hubfs/PDFs/Strata/HRS6/Hutch%20Residential%20Strata%20Product%20Fact%20Sheet%20HRS6.pdf)  [Summary of Key Changes](/hubfs/PDFs/Strata/HRS6/Hutch%20Residential%20Strata%20PDS%20Summary%20of%20Key%20Changes%20HRS6.pdf) HRS5 (Effective 27/09/23 - 11/04/24)  [PDS](/hubfs/8920789/PDFs/Strata/HRS5/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS5.pdf)  [Fact Sheet](/hubfs/PDFs/Strata/HRS5/Hutch-Residential-Strata-Product-Fact-Sheet-HRS5.pdf)  [Summary of Key Changes](/hubfs/PDFs/Strata/HRS5/Hutch-Residential-Strata-PDS-Summary-of-Key-Changes-HRS5.pdf) HRS4 (Effective 16/08/23 - 26/09/23)  [PDS](/hubfs/8920789/PDFs/Strata/HRS4/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS4.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/Strata/HRS4/Hutch%20Residential%20Strata%20Product%20Fact%20Sheet%20HRS4.pdf)  [Summary of Key Changes](/hubfs/PDFs/Strata/HRS4/Hutch-Residential-Strata-PDS-Summary-of-Key-Changes-HRS4.pdf) HRS3 (Effective 25/05/23 - 15/08/23)  [PDS](/hubfs/PDFs/Strata/HRS3/Hutch-Residential-Strata-Plan-Product-Disclosure-Statement-HRS3.pdf)  [Product Fact Sheet](/hubfs/PDFs/Strata/HRS3/Hutch-Residential-Strata-Product-Fact-Sheet-HRS3.pdf)  [Summary of Key Changes](/hubfs/PDFs/Strata/HRS3/Hutch-Residential-Strata-PDS-Summary-of-Key-Changes-HRS3.pdf) HRS2 (Effective 02/04/23 - 24/05/23)  [PDS](/hubfs/PDFs/Strata/HRS2/Hutch-Residential-Strata-Plan-Product-Disclosure-Statement-HRS2.pdf)  [Product Fact Sheet](/hubfs/PDFs/Strata/HRS2/Hutch-Residential-Strata-Product-Fact-Sheet-HRS2.pdf) HCS1 (Effective 24/11/232 - 01/04/23)  [PDS](/hubfs/PDFs/Strata/HRS1/Hutch-Residential-Strata-Plan-Product-Disclosure-Statement-HRS1.pdf)  [Product Fact Sheet](/hubfs/PDFs/Strata/HRS1/Hutch-Residential-Strata-Product-Fact-Sheet-HRS1.pdf) Other Available Documents  [Cybercrime Fact Sheet](https://hutchunderwriting.com.au/hubfs/8920789/PDFs/Strata/Cybercrime%20Fact%20Sheet/Hutch%20Underwriting%20Residential%20Strata%20Cybercrime%20Section%20Fact%20Sheet.pdf)  [Residential Strata Quote Forum](https://hutchunderwriting.com.au/hubfs/8920789/PDFs/Strata/Quote%20Form/Hutch%20Residential%20Strata%20Quote%20Form%2028%2010%2022.pdf) #### Commercial Strata HCS1 (Effective 28/07/26)  [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf)  [Product Fact Sheet](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Fact%20Sheet%20HCS1.pdf)  [Commercial Strata Quote Form](https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Quote%20Form/Hutch%20Commercial%20Strata%20Questionnaire.pdf) #### Residential Landlords HLL2 (Effective 20/05/26)  [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf)  [Fact Sheet](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Fact%20Sheet%20HLL2.pdf)  [TMD](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20TMD%20HLL2.pdf)  [Summary of Key Changes](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Summary%20of%20Key%20Changes%20HLL2.pdf) HLL1 (Effective 27/06/25 - 19/05/26)  [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL1/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL1.pdf)  [Fact Sheet](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL1/Hutch%20Residential%20Landlords%20Product%20Fact%20Sheet%20HLL1.pdf)  [TMD](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL1/Hutch%20Residential%20Landlords%20TMD%20HLL1.pdf) HLLSCTP2 (Effective 20/05/2026)  [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2SCTP.pdf)  [Fact Sheet](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Fact%20Sheet%20HLL2.pdf)  [TMD](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20TMD%20HLL2.pdf)  [Summary of Key Changes](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Summary%20of%20Key%20Changes%20HLL2.pdf) HLLSCTP1 (Effective 27/06/25 - 19/05/26)  [PDS](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL1/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL1SCTP.pdf)  [Fact Sheet](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL1/Hutch%20Residential%20Landlords%20Product%20Fact%20Sheet%20HLL1.pdf)  [TMD](https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL1/Hutch%20Residential%20Landlords%20TMD%20HLL1.pdf) ### Construction & Trades #### Annual Construction HAC6 (Effective  20/05/26)  [Policy Wording](/hubfs/8920789/PDFs/Construction/HAC6/Hutch%20Construction%20Policy%20Wording%20HAC6.pdf)  [Broker Fact Sheet](/hubfs/8920789/PDFs/Construction/HAC6/Hutch%20Construction%20Annual%20Product%20Factsheet%20HAC6.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/Construction/HAC6/Hutch%20Annual%20Contract%20Works%20Summary%20of%20Key%20Changes%20HAC6.pdf) HAC5 (Effective  13/02/26 - 19/05/26)  [Policy Wording](/8920789/PDFs/Construction/HAC5/Hutch%20Construction%20Policy%20Wording%20HAC5.pdf)  [Broker Fact Sheet](/hubfs/8920789/PDFs/Construction/HAC5/Hutch%20Annual%20Construction%20Product%20Fact%20Sheet%20HAC5.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/Construction/HAC5/Hutch%20Annual%20Contract%20Works%20Summary%20of%20Key%20Changes%20HAC5.pdf) HAC4 (Effective  06/03/25 - 12/02/26)  [Policy Wording](/hubfs/PDFs/Construction/HAC4/Hutch%20Construction%20Policy%20Wording%20HAC4.pdf)  [Broker Fact Sheet](/hubfs/PDFs/Construction/HAC4/Hutch%20Construction%20Annual%20Product%20Factsheet%20HAC4.pdf)  [Summary of Key Changes](/hubfs/PDFs/Construction/HAC4/Hutch%20Annual%20Contract%20Works%20Summary%20of%20Key%20Changes%20HAC4.pdf) HAC3 (Effective  12/04/24 - 05/03/25)  [Policy Wording](/hubfs/PDFs/Construction/HAC3/Hutch%20Construction%20Policy%20Wording%20HAC3.pdf)  [Broker Fact Sheet](/hubfs/PDFs/Construction/HAC3/Hutch%20Construction%20Annual%20Product%20Factsheet%20HAC3.pdf)  [Summary of Key Changes](/hubfs/PDFs/Construction/HAC3/Hutch%20Construction%20Annual%20Product%20Summary%20of%20Key%20Changes%20HAC3.pdf) HAC2 (Effective  07/07/23 - 11/04/24)  [Policy Wording](/hubfs/PDFs/Construction/HAC2/Hutch-Annual-Construction-Policy-Wording-HAC2.pdf)  [Broker & Fact Sheet](/hubfs/PDFs/Construction/HAC2/Hutch-Annual-Construction-Target-Market-and-Product-Fact-Sheet.pdf) HAC1 (Effective 16/06/23 - 06/07/23)  [Policy Wording](/hubfs/PDFs/Construction/HAC1/Hutch-Annual-Construction-Policy-Wording-HAC1.pdf) #### Single Project Coming soon #### Trade Pack HTP3 (Effective  20/05/26)  [Policy Wording](/hubfs/8920789/PDFs/Trade%20Pack/HTP3/Hutch%20Trade%20Pack%20Policy%20Wording%20HTP3.pdf)  [Broker Fact Sheet](/hubfs/8920789/PDFs/Trade%20Pack/HTP3/Hutch%20Trade%20Pack%20Product%20Fact%20Sheet%20HTP3.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/Trade%20Pack/HTP3/Hutch%20Trade%20Pack%20Summary%20of%20Key%20Changes%20HTP3.pdf)  [TMD](/hubfs/8920789/PDFs/Trade%20Pack/HTP3/Hutch%20Trade%20Pack%20TMD.pdf) HTP2 (Effective  13/02/26 - 19/05/26)  [Policy Wording](/hubfs/8920789/PDFs/Trade%20Pack/HTP2/Hutch%20Trade%20Pack%20Policy%20Wording%20HTP2.pdf)  [Broker Fact Sheet](/hubfs/8920789/PDFs/Trade%20Pack/HTP2/Hutch%20Trade%20Pack%20Fact%20Sheet%20HTP2.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/Trade%20Pack/HTP2/Hutch%20Trade%20Pack%20Summary%20of%20Key%20Changes%20HTP2.pdf) HTP1 (Effective  09/05/25 - 12/02/26)  [Policy Wording](/hubfs/8920789/PDFs/Trade%20Pack/HTP1/Hutch%20Trade%20Pack%20Policy%20Wording%20HTP1.pdf)  [Target Market Determination](/hubfs/8920789/PDFs/Trade%20Pack/HTP1/Hutch%20Trade%20Pack%20TMD%20HTP1.pdf)  [Broker Fact Sheet](/hubfs/8920789/PDFs/Trade%20Pack/HTP1/Hutch%20Trade%20Pack%20Fact%20Sheet%20HTP1.pdf) ### Financial Lines #### Management Liability HML3 (Effective 19/05/26)  [Policy Wording](/hubfs/8920789/PDFs/Management%20Liability/HML3/Hutch%20Management%20Liability%20Policy%20Wording%20-%20HML3.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/Management%20Liability/HML3/Hutch%20Management%20Liability%20-%20Summary%20of%20Key%20Changes%20HML3.pdf) HML2 (Effective 12/03/26 - 18/05/26)  [Policy Wording](/hubfs/8920789/PDFs/Management%20Liability/HML2/Hutch%20Management%20Liability%20Policy%20Wording%20-%20HML2.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/Management%20Liability/HML2/Hutch%20Management%20Liability%20Broker%20Fact%20Sheet%20-%20HML2.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/Management%20Liability/HML2/Hutch%20Management%20Liability%20Summary%20of%20Key%20Changes%20-%20HML2.pdf) HML1 (Effective 09/10/25 - 11/03/26)  [Policy Wording](/hubfs/8920789/PDFs/Management%20Liability/HML1/Hutch%20Management%20Liability%20Policy%20Wording%20HML1.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/Management%20Liability/HML1/Hutch%20Management%20Liability%20Broker%20Fact%20Sheet%20HML1.pdf) #### Professional Indemnity ##### Occupation Specific Accountants | Architects and Engineers | Design & Construct | IT Professionals | Real Estate Agents | Tradespeople ##### Miscellaneous For broader professional services ##### SCTP Combined Liability ##### Accountants HCL5A (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Accountants/HCL5A/Hutch%20Combined%20Liability%20Wording%20-%20Accountants%20HCL5A.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Accountants/HCL5A/Hutch%20Combined%20Liability%20-%20Accountants%20Summary%20of%20Key%20Changes%20HCL5A.pdf) HCL4A (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Accountants/HCL4A/Hutch%20Combined%20Liability%20Wording%20-%20Accountants%20HCL4A.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Accountants/HCL4A/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Accountants%20HCL4A.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Accountants/HCL4A/Hutch%20Combined%20Liability%20-%20Accountants%20Summary%20of%20Key%20Changes%20HCL4A.pdf) HCL3A (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/Accountants/HCL3A/Hutch%20Combined%20Liability%20Wording%20-%20Accountants%20HCL3A.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Accountants/HCL3A/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Accountants%20HCL3A.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Accountants/HCL3A/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20-%20Accountants%20HCL3A.pdf) HCL2A (Effective 06/03/25 - 29/10/25)  [Wording](/hubfs/8920789/PDFs/PI/Accountants/HCL2A/Hutch%20Combined%20Liability%20Wording%20-%20Accountants%20%E2%80%93%20HCLA2.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Accountants/HCL2A/Hutch%20Combined%20Liability%20-%20Accountants%20Summary%20of%20Key%20Changes%20HCL2A.pdf) HCL1A (Effective 12/04/24 - 05/03/25)  [Wording](/hubfs/8920789/PDFs/PI/Accountants/HCL1A/Hutch%20Combined%20Liability%20Wording%20-%20Accountants%20-%20HCLA1.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Accountants/HCL1A/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Accountants.pdf)  [Proposal Form](/hubfs/8920789/PDFs/PI/Proposal%20Forms/Hutch%20Accountants%20Proposal%20Form.pdf) ##### Architects & Engineers HCL5AE (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL5AE/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Architects%20&%20Engineers%20HCL5AE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL5AE/Hutch%20Combined%20Liability%20-%20Architects%20&%20Engineers%20Summary%20of%20Key%20Changes%20HCL5AE.pdf) HCL4AE (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL4AE/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Architects%20&%20Engineers%20HCL4AE.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL4AE/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Architects%20and%20Engineers%20HCL4AE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL4AE/Hutch%20Combined%20Liability%20-%20Architects%20&%20Engineers%20Summary%20of%20Key%20Changes%20HCL4AE.pdf) HCL3AE (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL3AE/Hutch%20Combined%20Liability%20Wording%20-%20Architects%20and%20Engineers%20HCL3AE.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL3AE/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Architects%20and%20Engineers%20HCL3AE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL3AE/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20-%20Architects%20and%20Engineers%20HCL3AE.pdf) HCL2AE (Effective 06/03/25 - 29/10/25)  [Wording](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL2AE/Hutch%20Combined%20Liability%20Wording%20-%20Architects%20and%20Engineers%20%E2%80%93%20HCL2AE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL2AE/Hutch%20Combined%20Liability%20-%20Architects%20&%20Engineers%20Summary%20of%20Key%20Changes%20HCL2AE.pdf) HCL1AE (Effective 12/04/24 - 05/03/25)  [Wording](/hubfs/PDFs/PI/HCL1/Architects_and_Engineers/Hutch%20Combined%20Liability%20Wording%20-%20Architects%20and%20Engineers%20-%20HCL1AE.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Architects%20and%20Engineers/HCL1AE/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Architects%20and%20Engineers.pdf)  [Proposal Form](/hubfs/8920789/PDFs/PI/Proposal%20Forms/Hutch%20Architects%20and%20Engineers%20Proposal%20Form.pdf) ##### Design & Construct HCL3DC (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL3DC/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Design%20&%20Construct%20HCL3DC.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL3DC/Hutch%20Combined%20Liability%20-%20D&C%20Summary%20of%20Key%20Changes%20HCL3DC.pdf) HCL2DC (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL2DC/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Design%20&%20Construct%20HCL2DC.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL2DC/Hutch%20PI%20Broker%20Fact%20Sheet%20-%20D&C%20-%20HCLDC2.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL2DC/Hutch%20Combined%20Liability%20-%20D&C%20Summary%20of%20Key%20Changes%20HCL2DC.pdf) HCL1DC (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL1DC/Hutch%20Combined%20Liability%20Wording%20-%20Design%20and%20Construct%20HCL1DC.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Design%20and%20Construct/HCL1DC/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Design%20and%20Construct%20HCLDC1.pdf)  [Proposal Form](/hubfs/8920789/PDFs/PI/Proposal%20Forms/Hutch%20Design%20&%20Construct%20Proposal%20Form.pdf) ##### IT Professionals HCL5IT (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL51T/Hutch%20Combined%20Liability%20Wording%20-%20IT%20Professionals%20HCL5IT.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL51T/Hutch%20Combined%20Liability%20-%20IT%20Summary%20of%20Key%20Changes%20HCL5IT.pdf) HCL4IT (Effective 12/03/26)  [Wording](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL4IT/Hutch%20Combined%20Liability%20Wording%20-%20IT%20Professionals%20HCL4IT.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL4IT/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20IT%20Professionals%20HCL4IT.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL4IT/Hutch%20Combined%20Liability%20-%20IT%20Summary%20of%20Key%20Changes%20HCL4IT.pdf) HCL3IT (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL3IT/Hutch%20Combined%20Liability%20Wording%20-%20IT%20Professionals%20HCL3IT.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL3IT/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20IT%20Professionals%20HCL3IT.pdf)  [Summary of Key Changes](/hubfs/PDFs/PI/IT%20Professionals/HCL3IT/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20-%20IT%20Professionals%20HCL3IT.pdf) HCL2IT (Effective 06/03/25 - 29/10/25)  [Wording](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL2IT/Hutch%20Combined%20Liability%20Wording%20-%20IT%20Professionals%20%E2%80%93%20HCL2IT.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL2IT/Hutch%20Combined%20Liability%20-%20IT%20Professionals%20Summary%20of%20Key%20Changes%20HCL2IT.pdf) HCL1IT (Effective 12/04/24 - 05/03/25)  [Wording](/hubfs/8920789/PDFs/PI/IT%20Professionals/HCL1IT/Hutch%20Combined%20Liability%20Wording%20-%20IT%20Professionals%20-%20HCL1IT.pdf)  [Product Fact Sheet](/hubfs/PDFs/PI/IT%20Professionals/HCL1IT/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20IT.pdf) ##### Real Estate Agents HCL5RE (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL5RE/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Real%20Estate%20Agents%20HCL5RE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL5RE/Hutch%20Combined%20Liability%20-%20Real%20Estate%20Agents%20Summary%20of%20Key%20Changes%20HCL5RE.pdf) HCL4RE (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL4RE/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Real%20Estate%20Agents%20HCL4RE.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL4RE/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Real%20Estate%20HCL4RE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL4RE/Hutch%20Combined%20Liability%20-%20Real%20Estate%20Agents%20Summary%20of%20Key%20Changes%20HCL4RE.pdf) HCL3RE (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL3RE/Hutch%20Combined%20Liability%20Wording%20-%20Real%20Estate%20Agents%20%E2%80%93%20HCL3RE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL3RE/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20-%20Real%20Estate%20Agents%20HCL3RE.pdf) HCL2RE (Effective 06/03/25 - 29/10/25)  [Wording](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL2RE/Hutch%20Combined%20Liability%20Wording%20-%20Real%20Estate%20Agents%20%E2%80%93%20HCL2RE.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL2RE/Hutch%20Combined%20Liability%20-%20Real%20Estate%20Agents%20Summary%20of%20Key%20Changes%20HCL2RE.pdf) HCL1RE (Effective 12/04/24 - 05/03/25)  [Wording](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL1RE/Hutch%20Combined%20Liability%20Wording%20-%20Real%20Estate%20Agents%20-%20HCL1RE.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Real%20Estate/HCL1RE/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Real%20Estate.pdf)  [Proposal Form](/hubfs/8920789/PDFs/PI/Proposal%20Forms/Hutch%20Real%20Estate%20Proposal%20Form.pdf) ##### Tradespeople HCL3TR (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Trades%20People/HCL3TR/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Trades%20HCL3TR.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Trades%20People/HCL3TR/Hutch%20Combined%20Liability%20-%20TradesPI%20Summary%20of%20Key%20Changes%20HCL3TR.pdf) HCL2TR (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Trades%20People/HCL2TR/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Trades%20HCL2TR.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Trades%20People/HCL2TR/Hutch%20PI%20Broker%20Fact%20Sheet%20-%20Trades%20-%20HCLTR2.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Trades%20People/HCL2TR/Hutch%20Combined%20Liability%20-%20TradesPI%20Summary%20of%20Key%20Changes%20HCL2TR.pdf) HCL1TR (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/Trades%20People/HCL1TR/Hutch%20Combined%20Liability%20Wording%20-%20Trades%20People%20HCL1TR.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Trades%20People/HCL1TR/Hutch%20PI%20Broker%20Fact%20Sheet%20-%20Trades%20-%20HCLTR1.pdf)  [Proposal Form](/hubfs/8920789/PDFs/PI/Proposal%20Forms/Hutch%20Trades%20Proposal%20Form.pdf) ##### Miscellaneous Misc HCL5 (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Misc/HCL5/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Miscellaneous%20HCL5.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Misc/HCL5/Hutch%20Combined%20Liability%20-%20Miscellaneous%20Summary%20of%20Key%20Changes%20HCL5.pdf) Misc HCL4 (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/Misc/HCL4/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20Miscellaneous%20HCL4.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Misc/HCL4/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Miscellaneous%20HCL4.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Misc/HCL4/Hutch%20Combined%20Liability%20-%20Miscellaneous%20Summary%20of%20Key%20Changes%20HCL4.pdf) Misc HCL3 (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/Misc/HCL3/Hutch%20Combined%20Liability%20Wording%20-%20Miscellaneous%20HCL3.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/Misc/HCL3/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20Miscellaneous%20HCL3.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/Misc/HCL3/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20-%20Miscellaneous%20HCL3.pdf) Misc HCL2 (Effective 06/03/25 - 29/10/25)  [Wording](/hubfs/PDFs/PI/HCL2/Miscellaneous/Hutch%20Combined%20Liability%20Wording%20-%20Miscellaneous%20%E2%80%93%20HCL2.pdf)  [Summary of Key Changes](/hubfs/PDFs/PI/HCL2/Miscellaneous/Hutch%20Combined%20Liability%20-%20Miscellaneous%20Summary%20of%20Key%20Changes%20HCL2.pdf) Misc HCL1 (Effective 12/04/24 - 05/03/25)  [Wording](/hubfs/PDFs/PI/HCL1/Miscellaneous/Hutch%20Combined%20Liability%20Wording%20-%20Miscellaneous%20-%20HCL1.pdf)  [Product Fact Sheet](/hubfs/PDFs/PI/HCL1/Miscellaneous/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20MISC.pdf)  [Proposal Form](/hubfs/8920789/PDFs/PI/Proposal%20Forms/Hutch%20Miscellaneous%20Proposal%20Form.pdf) ##### SCTP HCL6SCTP (Effective 19/05/26)  [Wording](/hubfs/8920789/PDFs/PI/SCTP/HCL6SCTP/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20HCL6SCTP.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/SCTP/HCL6SCTP/Hutch%20Combined%20Liability%20-%20SCTP%20Summary%20of%20Key%20Changes%20HCL6SCTP.pdf) HCL5SCTP (Effective 12/03/26 - 18/05/26)  [Wording](/hubfs/8920789/PDFs/PI/SCTP/HCL5SCTP/Hutch%20Combined%20Liability%20Wording%20%E2%80%93%20HCL5SCTP.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/SCTP/HCL5SCTP/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20HCL5SCTP.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/SCTP/HCL5SCTP/Hutch%20Combined%20Liability%20-%20SCTP%20Summary%20of%20Key%20Changes%20HCL5SCTP.pdf) HCL4SCTP (Effective 30/10/25 - 11/03/26)  [Wording](/hubfs/8920789/PDFs/PI/SCTP/HCL4SCTP/Hutch%20Combined%20Liability%20Wording%20-%20HCL4SCTP.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/SCTP/HCL4SCTP/Hutch%20Combined%20Liability%20Broker%20Fact%20Sheet%20-%20HCL4SCTP.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/SCTP/HCL4SCTP/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20-%20HCL4SCTP.pdf) HCL3SCTP (Effective 06/03/25 - 29/10/25)  [Wording](/hubfs/8920789/PDFs/PI/SCTP/HCL3SCTP/Hutch%20Combined%20Liability%20Wording%20-%20HCL3SCTP.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/SCTP/HCL3SCTP/Combined%20Liability%20Broker%20Fact%20Sheet%20-%20HCL3SCTP.pdf)  [Summary of Key Changes](/hubfs/8920789/PDFs/PI/SCTP/HCL3SCTP/Hutch%20Combined%20Liability%20Summary%20of%20Key%20Changes%20HCL3SCTP.pdf) HCL2SCTP (Effective 18/08/24 - 05/03/25)  [Wording](/hubfs/8920789/PDFs/PI/SCTP/HCL2SCTP/Hutch%20Combined%20Liability%20Wording%20-%20HCL2SCTP.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/SCTP/HCL2SCTP/Hutch%20Combined%20Liability%20Broker%20Factsheet%20-%20HCL2SCTP.pdf) HCL1SCTP (Effective 06/05/24 - 17/08/24)  [Wording](/hubfs/8920789/PDFs/PI/SCTP/HCL1SCTP/Hutch%20Combined%20Liability%20Wording%20-%20HPI1SCTP.pdf)  [Product Fact Sheet](/hubfs/8920789/PDFs/PI/SCTP/HCL1SCTP/Hutch%20Combined%20Liability%20Broker%20Factsheet%20-%20HPI1SCTP.pdf) --- ## About This Content **Source:** [Policy Document Library](https://hutchunderwriting.com.au/policy-document-library) *This content is provided for informational purposes. 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