============================================================ TITLE: Policy Document Library TYPE: article VERSION: 3 VERSION_ID: da07be35-a4f8-4426-b23c-bd0a474f8f62 GENERATED_AT: 2026-09-16T02:55:15.051Z SUMMARY: Policy Document Library. All Hutch product wordings, fact sheets, TMDs, and proposal forms in one place. Find the version you need, fast. READING TIME: 9 min WORD COUNT: 1648 KEYWORDS: Policy Document Library SOURCE URL: https://hutchunderwriting.com.au/policy-document-library ============================================================ KEY TAKEAWAYS: * Property * Financial Lines * Construction & Trades # Policy Document Library Property Strata  Residential | Commercial Landlords  Residential Strata  Residential | Commercial Landlords  Residential Financial Lines Management Liability Professional Indemnity ### Financial Lines Management Liability Professional Indemnity Construction & Trades Construction  Annual | Single Project Trade Pack ### Construction & Trades Construction  Annual | Single Project Trade Pack #### Residential Strata * HRS9 (Effective 20/05/26)  PDS  Fact Sheet  Summary of Key Changes #### HRS9 (Effective 20/05/26) PDS  Fact Sheet  Summary of Key Changes * HRS8 (Effective 06/03/25 - 19/05/26)  PDS  Fact Sheet  Summary of Key Changes #### HRS8 (Effective 06/03/25 - 19/05/26) * HRS7 (Effective 06/09/24 - 05/03/25)  PDS  Fact Sheet  Summary of Key Changes #### HRS7 (Effective 06/09/24 - 05/03/25) * HRS6 (Effective 12/04/24 - 05/09/24)  PDS  Fact Sheet  Summary of Key Changes #### HRS6 (Effective 12/04/24 - 05/09/24) * HRS5 (Effective 27/09/23 - 11/04/24)  PDS  Fact Sheet  Summary of Key Changes #### HRS5 (Effective 27/09/23 - 11/04/24) * HRS4 (Effective 16/08/23 - 26/09/23)  PDS  Product Fact Sheet  Summary of Key Changes #### HRS4 (Effective 16/08/23 - 26/09/23) PDS  Product Fact Sheet  Summary of Key Changes * HRS3 (Effective 25/05/23 - 15/08/23)  PDS  Product Fact Sheet  Summary of Key Changes #### HRS3 (Effective 25/05/23 - 15/08/23) * HRS2 (Effective 02/04/23 - 24/05/23)  PDS  Product Fact Sheet #### HRS2 (Effective 02/04/23 - 24/05/23) PDS  Product Fact Sheet * HCS1 (Effective 24/11/232 - 01/04/23)  PDS  Product Fact Sheet #### HCS1 (Effective 24/11/232 - 01/04/23) PDS  Product Fact Sheet * Other Available Documents  Cybercrime Fact Sheet  Residential Strata Quote Forum #### Other Available Documents Cybercrime Fact Sheet  Residential Strata Quote Forum #### Commercial Strata * HCS1 (Effective 28/07/26)  PDS  Product Fact Sheet #### HCS1 (Effective 28/07/26) * Other Available Documents  Commercial Strata Quote Form Commercial Strata Quote Form #### Residential Landlords * HLL2 (Effective 20/05/26)  PDS  Fact Sheet  TMD  Summary of Key Changes #### HLL2 (Effective 20/05/26) PDS  Fact Sheet  TMD  Summary of Key Changes * HLL1 (Effective 27/06/25 - 19/05/26)  PDS  Fact Sheet  TMD #### HLL1 (Effective 27/06/25 - 19/05/26) PDS  Fact Sheet  TMD * HLLSCTP2 (Effective 20/05/2026)  PDS  Fact Sheet  TMD  Summary of Key Changes #### HLLSCTP2 (Effective 20/05/2026) PDS  Fact Sheet  TMD  Summary of Key Changes * HLLSCTP1 (Effective 27/06/25 - 19/05/26)  PDS  Fact Sheet  TMD #### HLLSCTP1 (Effective 27/06/25 - 19/05/26) #### Annual Construction * HAC6 (Effective  20/05/26)  Policy Wording  Broker Fact Sheet  Summary of Key Changes #### HAC6 (Effective  20/05/26) Policy Wording  Broker Fact Sheet  Summary of Key Changes * HAC5 (Effective  13/02/26 - 19/05/26)  Policy Wording  Broker Fact Sheet  Summary of Key Changes #### HAC5 (Effective  13/02/26 - 19/05/26) * HAC4 (Effective  06/03/25 - 12/02/26)  Policy Wording  Broker Fact Sheet  Summary of Key Changes #### HAC4 (Effective  06/03/25 - 12/02/26) * HAC3 (Effective  12/04/24 - 05/03/25)  Policy Wording  Broker Fact Sheet  Summary of Key Changes #### HAC3 (Effective  12/04/24 - 05/03/25) * HAC2 (Effective  07/07/23 - 11/04/24)  Policy Wording  Broker & Fact Sheet #### HAC2 (Effective  07/07/23 - 11/04/24) Policy Wording  Broker & Fact Sheet * HAC1 (Effective 16/06/23 - 06/07/23)  Policy Wording #### HAC1 (Effective 16/06/23 - 06/07/23) Policy Wording #### Single Project Coming soon * HTP3 (Effective  20/05/26)  Policy Wording  Broker Fact Sheet  Summary of Key Changes  TMD #### HTP3 (Effective  20/05/26) Policy Wording  Broker Fact Sheet  Summary of Key Changes  TMD * HTP2 (Effective  13/02/26 - 19/05/26)  Policy Wording  Broker Fact Sheet  Summary of Key Changes #### HTP2 (Effective  13/02/26 - 19/05/26) * HTP1 (Effective  09/05/25 - 12/02/26)  Policy Wording  Target Market Determination  Broker Fact Sheet #### HTP1 (Effective  09/05/25 - 12/02/26) Policy Wording  Target Market Determination  Broker Fact Sheet * HML3 (Effective 19/05/26)  Policy Wording  Summary of Key Changes #### HML3 (Effective 19/05/26) Policy Wording  Summary of Key Changes * HML2 (Effective 12/03/26 - 18/05/26)  Policy Wording  Product Fact Sheet  Summary of Key Changes #### HML2 (Effective 12/03/26 - 18/05/26) Policy Wording  Product Fact Sheet  Summary of Key Changes * HML1 (Effective 09/10/25 - 11/03/26)  Policy Wording  Product Fact Sheet #### HML1 (Effective 09/10/25 - 11/03/26) Policy Wording  Product Fact Sheet Occupation Specific Accountants | Architects and Engineers | Design & Construct | IT Professionals | Real Estate Agents | Tradespeople ##### Occupation Specific Accountants | Architects and Engineers | Design & Construct | IT Professionals | Real Estate Agents | Tradespeople Miscellaneous For broader professional services ##### Miscellaneous For broader professional services SCTP Combined Liability Combined Liability ##### Accountants * HCL5A (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL5A (Effective 19/05/26) Wording  Summary of Key Changes * HCL4A (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL4A (Effective 12/03/26 - 18/05/26) Wording  Product Fact Sheet  Summary of Key Changes * HCL3A (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL3A (Effective 30/10/25 - 11/03/26) * HCL2A (Effective 06/03/25 - 29/10/25)  Wording  Summary of Key Changes #### HCL2A (Effective 06/03/25 - 29/10/25) * HCL1A (Effective 12/04/24 - 05/03/25)  Wording  Product Fact Sheet #### HCL1A (Effective 12/04/24 - 05/03/25) Wording  Product Fact Sheet * Other Available Documents  Proposal Form Proposal Form ##### Architects & Engineers * HCL5AE (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL5AE (Effective 19/05/26) * HCL4AE (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL4AE (Effective 12/03/26 - 18/05/26) * HCL3AE (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL3AE (Effective 30/10/25 - 11/03/26) * HCL2AE (Effective 06/03/25 - 29/10/25)  Wording  Summary of Key Changes #### HCL2AE (Effective 06/03/25 - 29/10/25) * HCL1AE (Effective 12/04/24 - 05/03/25)  Wording  Product Fact Sheet #### HCL1AE (Effective 12/04/24 - 05/03/25) * Other Available Documents  Proposal Form ##### Design & Construct * HCL3DC (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL3DC (Effective 19/05/26) * HCL2DC (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL2DC (Effective 12/03/26 - 18/05/26) * HCL1DC (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet #### HCL1DC (Effective 30/10/25 - 11/03/26) ##### IT Professionals * HCL5IT (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL5IT (Effective 19/05/26) * HCL4IT (Effective 12/03/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL4IT (Effective 12/03/26) * HCL3IT (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL3IT (Effective 30/10/25 - 11/03/26) * HCL2IT (Effective 06/03/25 - 29/10/25)  Wording  Summary of Key Changes #### HCL2IT (Effective 06/03/25 - 29/10/25) * HCL1IT (Effective 12/04/24 - 05/03/25)  Wording  Product Fact Sheet #### HCL1IT (Effective 12/04/24 - 05/03/25) ##### Real Estate Agents * HCL5RE (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL5RE (Effective 19/05/26) * HCL4RE (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL4RE (Effective 12/03/26 - 18/05/26) * HCL3RE (Effective 30/10/25 - 11/03/26)  Wording  Summary of Key Changes #### HCL3RE (Effective 30/10/25 - 11/03/26) * HCL2RE (Effective 06/03/25 - 29/10/25)  Wording  Summary of Key Changes #### HCL2RE (Effective 06/03/25 - 29/10/25) * HCL1RE (Effective 12/04/24 - 05/03/25)  Wording  Product Fact Sheet #### HCL1RE (Effective 12/04/24 - 05/03/25) ##### Tradespeople * HCL3TR (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL3TR (Effective 19/05/26) * HCL2TR (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL2TR (Effective 12/03/26 - 18/05/26) * HCL1TR (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet #### HCL1TR (Effective 30/10/25 - 11/03/26) * Misc HCL5 (Effective 19/05/26)  Wording  Summary of Key Changes #### Misc HCL5 (Effective 19/05/26) * Misc HCL4 (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### Misc HCL4 (Effective 12/03/26 - 18/05/26) * Misc HCL3 (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet  Summary of Key Changes #### Misc HCL3 (Effective 30/10/25 - 11/03/26) * Misc HCL2 (Effective 06/03/25 - 29/10/25)  Wording  Summary of Key Changes #### Misc HCL2 (Effective 06/03/25 - 29/10/25) * Misc HCL1 (Effective 12/04/24 - 05/03/25)  Wording  Product Fact Sheet #### Misc HCL1 (Effective 12/04/24 - 05/03/25) * HCL6SCTP (Effective 19/05/26)  Wording  Summary of Key Changes #### HCL6SCTP (Effective 19/05/26) * HCL5SCTP (Effective 12/03/26 - 18/05/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL5SCTP (Effective 12/03/26 - 18/05/26) * HCL4SCTP (Effective 30/10/25 - 11/03/26)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL4SCTP (Effective 30/10/25 - 11/03/26) * HCL3SCTP (Effective 06/03/25 - 29/10/25)  Wording  Product Fact Sheet  Summary of Key Changes #### HCL3SCTP (Effective 06/03/25 - 29/10/25) * HCL2SCTP (Effective 18/08/24 - 05/03/25)  Wording  Product Fact Sheet #### HCL2SCTP (Effective 18/08/24 - 05/03/25) * HCL1SCTP (Effective 06/05/24 - 17/08/24)  Wording  Product Fact Sheet #### HCL1SCTP (Effective 06/05/24 - 17/08/24) ------------------------------------------------------------ ABOUT THIS CONTENT ------------------------------------------------------------ Source: https://hutchunderwriting.com.au/policy-document-library This content is provided for informational purposes. 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