Products
Eight product groups, 25 classes, one standard.
Every class is on an open Commons wording and question set. Underwriting agencies launch them on Cuttleflow Go with their own rates and rules; brokers place them through the Marketplace as each class opens.
Product group
Professional indemnity
Civil liability for professional services, with wordings built for specific professions.
Professional indemnity
Civil-liability cover for professional services, written on a claims-made basis. Profession wordings built on it are listed on its page, including architects and engineers, building surveyors and certifiers, geoscience, building energy, accountants, real estate, recruitment, risk consultants, marketing and media, education, and veterinary practices.
Details →Commercial · v1.0.0 draftFinancial services professional indemnity
Professional indemnity cover for AFS and credit licensees and their representatives, written to meet ASIC RG 126 and RG 210. Wordings for financial advisers, insurance intermediaries and credit intermediaries are listed on its page.
Details →Commercial · v1.4.0 draftTechnology liability
Combined technology professional and product liability, with cyber and general-liability layers.
Details →Product group
Management liability, D&O, crime and cyber
Cover for companies, their directors and officers, and the money and data they hold.
Directors and officers
Cover for directors and officers against claims for wrongful acts in their roles.
Details →Commercial · v2.0.0 draftSide A D&O
Excess cover reserved for individual directors and officers.
Details →Commercial · v1.4.0 draftManagement liability
Combined cover for private companies — D&O, employment practices, and more.
Details →Commercial · v1.3.0 draftInvestment managers
Professional liability, D&O and crime cover for investment managers, responsible entities and trustees.
Details →Commercial · v2.0.0 draftComprehensive crime
Cover for loss from employee and third-party crime — fraud, theft, social engineering.
Details →Commercial · v1.4.0 draftCyber
First- and third-party cover for cyber events and data breaches.
Details →Product group
Medical
Professional and entity cover for health practitioners and medical establishments.
Allied health
Combined professional indemnity and public and products liability for individual allied health practitioners.
Details →Commercial · v1.1.0 draftMedical establishments
Entity medical malpractice for practices, clinics, day surgeries, private hospitals and aged care. Never covers a doctor's own liability.
Details →Product group
Liability and construction
Public and products liability, excess of loss above a primary policy, and contract works for construction projects.
Public and products liability
Broadform liability cover for injury and property damage caused by your business or your products, on an occurrence basis.
Details →Commercial · v2.0.0 draftExcess of loss
Follow-form excess cover above a named primary policy, with no automatic drop-down, for businesses whose contracts or exposures need higher limits.
Details →Commercial · v2.1.0 draftConstruction all risks and liability
Contract works and third-party liability for construction projects, single project or annual, under one joint-names policy, with optional delay in start-up and design and construct PI.
Details →Product group
Business, property and cargo
Package, strata and transit cover for businesses and bodies corporate.
Business package
A modular package for small and medium businesses — property, business interruption, crime, liability, cyber, management liability and more.
Details →Commercial · v1.0.0 draftStrata
Building, liability, office bearers, fidelity and machinery cover for residential, commercial and mixed-use strata schemes, bought by the body corporate.
Details →Commercial · v1.0.0 draftMarine cargo
An annual open transit policy for importers, exporters and distributors, built on the Institute Cargo Clauses (A), (B) and (C), with inland transit cover within Australia.
Details →Product group
Motor
Business vehicles from one ute to a fleet, and private cars.
Commercial motor
Business vehicles from a single ute to a fleet — comprehensive, third party fire and theft, or third party only for each vehicle, with fleet provisions.
Details →Retail · v1.0.0 draftPrivate motor
Private car insurance for individuals, built on the Commercial Motor base wording.
Details →Product group
Accident and travel
Accident, sickness and travel cover for individuals and organisations.
Personal accident and sickness
Capital and weekly benefits for one named person, for injury and, if chosen, sickness, sold through brokers.
Details →Commercial · v1.0.0 draftGroup personal accident and sickness
Capital and weekly benefits for categories of employees, volunteers, players and students, bought by an organisation for its people.
Details →Commercial · v1.0.0 draftCorporate travel
Annual cover for an organisation's business travellers: medical, accident, disruption, luggage, liability, kidnap and crisis, sold through brokers.
Details →Retail · v1.0.0 draftTravel
Single-trip cover for individuals, couples and families leaving Australia, with three plans, sold direct or through brokers.
Details →Product group
Home and landlords
Home, contents and landlord cover for individuals.
The Commons wordings are working drafts, subject to legal review, published openly under CC BY 4.0. Retail classes use Cuttleflow’s drafted PDS and TMD and need the relevant AFSL. About the Commons →