Our tailored strata insurance protects buildings, residents, and owners’ corporations, ensuring financial stability and peace of mind for all stakeholders.
Strata properties involve shared ownership and communal responsibility from residential apartment buildings and townhouse complexes to commercial office strata. Strata managers, owners corporations, and property committees are responsible for maintaining common areas, managing risk, and meeting strict compliance standards.
At Angelic Insurance, we provide general advice to help strata managers and bodies corporate explore insurance options such as building insurance, public liability, office bearer’s liability, machinery breakdown, and legal expenses cover. We compare policies from trusted Australian insurers to ensure your strata scheme remains protected, financially secure, and legally compliant.
Whether managing a residential high-rise or a commercial strata estate, we help you find insurance solutions that support building value, resident safety, and peace of mind.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Residential & Commercial Strata Industry Face and How We Can Help Solve Them.
Strata management comes with complex responsibilities, from maintaining shared spaces to handling liability claims and unexpected property damage. Whether managing residential units or commercial complexes, the right protection helps you safeguard the building, its occupants, and your financial stability.
Fires, water leaks, or storms can damage shared property areas such as foyers, lobbies, or parking lots, leaving owners corporations with expensive repair bills.
We provide Strata Property cover options that help with repair and replacement costs for damage to common property, ensuring essential areas are restored quickly and efficiently.
Slips, trips, or falls in communal areas, such as hallways, staircases, or driveways, can result in injury claims against the body corporate or strata manager.
Our Public Liability cover options assist with legal defense and compensation costs for injuries or property damage that occur on shared premises, helping protect your community and financial assets.
Older buildings or poorly maintained structures can develop issues like cracks, leaks, or electrical faults — leading to costly repairs and potential safety risks.
We offer Building Defects and Property Protection cover options that help manage the financial impact of structural repairs and ensure your property remains safe and compliant.
Disagreements between owners, tenants, or committee members about maintenance, by-laws, or levies can escalate into costly legal disputes.
Our Management Liability and Legal Expense cover options assist with the cost of defending and resolving disputes, allowing you to maintain harmony and transparency within the strata community.
Shared spaces such as storage rooms, garages, or mail areas can be targets for theft or vandalism, resulting in unexpected repair or replacement expenses.
We provide Property and Theft cover options to help with the cost of replacing stolen items and repairing vandalized areas, ensuring residents and owners are protected.
Essential shared equipment such as elevators, gates, and water pumps can break down, disrupting operations and leading to urgent repair costs.
Our Equipment Breakdown cover options help with repair or replacement costs for essential shared systems, ensuring comfort and safety for all residents and tenants.
Strata committees and managers can face allegations of mismanagement, negligence, or failure to meet legal obligations, even when acting in good faith.
We provide Management Liability cover options that help with defense and compensation costs arising from claims of administrative or decision-making errors.
If a property becomes uninhabitable after an insured event like a fire or storm, owners may lose rental income or face accommodation expenses.
Our Loss of Rent and Temporary Accommodation cover options assist with ongoing financial support while repairs are made, helping ease the burden on both owners and tenants.
Why Does the Residential & Commercial Strata Industry Need Insurance Cover?
Residential and commercial strata properties face risks like building damage, liability claims, and tenant disputes. Insurance protects owners, tenants, and managers from costly repairs or legal issues.
Covers fire, storm, or accidental damage to shared buildings.
Repairs structural damage
Covers common areas
Keeps property safe
Covers liability if someone is injured on shared property.
Pays medical costs
Handles legal claims
Protects owners corporation
Protects against stolen or damaged property in common spaces.
Covers replacement costs
Repairs damaged property
Maintains security
Covers legal costs from disagreements within the strata.
Covers legal defence
Handles settlements
Reduces financial stress
Covers costs from construction issues or system failures.
Pays repair expenses
Covers investigation costs
Maintains property value
Protects against lost rent from uninhabitable units.
Covers rental income
Supports owner recovery
Keeps cash flow steady
Expert Assessment
Competitive Rates
24/7 Support
Why Does the Residential & Commercial Strata Industry Need Insurance Cover?
Residential and commercial strata properties face risks like building damage, liability claims, and tenant disputes. Insurance protects owners, tenants, and managers from costly repairs or legal issues.
Covers fire, storm, or accidental damage to shared buildings.
Repairs structural damage
Covers common areas
Keeps property safe
Covers liability if someone is injured on shared property.
Pays medical costs
Handles legal claims
Protects owners corporation
Protects against stolen or damaged property in common spaces.
Covers replacement costs
Repairs damaged property
Maintains security
Covers legal costs from disagreements within the strata.
Covers legal defence
Handles settlements
Reduces financial stress
Covers costs from construction issues or system failures.
Pays repair expenses
Covers investigation costs
Maintains property value
Protects against lost rent from uninhabitable units.
Covers rental income
Supports owner recovery
Keeps cash flow steady
Our proven six-step process ensures you get the right coverage at the right price
We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.
We prepare accurate data and highlight risk improvements already in place.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.
We place cover, issue certificates, and brief your team on notification procedures.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.
We map your operational risks to specific policy clauses, not just headings.
We benchmark limits and sub-limits against contracts and catastrophe scenarios.
We coordinate valuations, BI worksheets, and claims-readiness plans.
We explain what is and is not covered in clear language and document assumptions.
Hear From Families and Businesses Who Trust Angelic Insurance
Don't just take our word for it, hear from businesses and families. See what businesses and families say about working with us who've chosen Angelic Insurance and shared their own experiences about working with us.