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Community Association Insurance

What is a community association?

A community association is a corporation of members typically formed by the owners of lots in a deposited and registered community plan. Community plans depict a parcel of land subdivided into two or more lots where there is some shared use of this land as a common area.

Common areas consist of community property, such as shared driveways, swimming pool or tennis courts, which are owned and managed by the owner's corporation or body corporate.

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Community Association Insurance Plan

CHU’s Community Association Insurance Plan includes cover for accidental loss or damage to community property as well as protection against risks faced by the association such as legal liability, workers compensation and machinery breakdown.

CHU created the first community association insurance plan and is the largest protector of community associations across Australia.

Your CHU Community Association Insurance Plan quote covers:

  • Insured property: Insurance against accidental loss or damage to your building and common area contents from events such as fire, storms and theft
  • Voluntary workers: Compensation payable in the event that a volunteer sustains serious bodily injury caused by accidental, visible means whilst working on your behalf
  • Liability to others: Protection if you become legally responsible to pay compensation for personal injury or property damage in connection with the common area or insured common property
  • Temporary accommodation: Costs incurred from temporary accommodation payable if your community property is made unfit to be occupied for its intended purpose
  • Removal and storage of community property: Removal, storage, return and insurance costs payable for the transportation and safe keeping of undamaged community property
  • Office bearers’ legal liability - optional: Issued on a claims made basis and indemnifies office bearers should they become legally liable to pay compensation for any wrongful act made whilst carrying out duties within the scope of their position

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Why Choose CHU?

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Almost 1 million properties protected
Emergency assistance
24/7 Claims Process and Emergency Hotline
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Over 40 years of insurance expertise

Important documents

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PDS and policy wording
Our policy encompasses additional and increased benefits over the minimum required by law.


Summary of key changes

Outlines key policy changes, and should be read in conjunction with latest Product Disclosure Statement and Policy Wording.


Key Fact Sheet
Key Fact Sheet sets out some of the events covered and not covered by this policy and other information you should consider.


Quick Guide
Quick Guide is a summary of the cover benefits only and does not address limitations and exclusions which apply to your CHU Policy.


CA Policy Benefits and Proposal
Policy benefits and proposal form for lot owners and commercial buildings.


Quote form
Complete a quote form for Community Association Plan.