Strata insurance for the whole building and everyone in it

Residential, commercial and mixed-use strata, including North Queensland and cyclone-prone areas. A dedicated strata broker for owners and strata managers.

1800 97 98 99

Trusted by 30,000+ clients Australia-wide

We aim to answer all calls within 3 seconds

Backed by our Price Promise

Building, liability, office bearers, fidelity, machinery breakdown, catastrophe and loss of rent cover

Shielded Insurance industry awards and recognitions

Compare strata insurance quotes

Free, no obligation. Same-day quotes available.

Cover options you want:

4.9 from 12,000+ reviews · #1 Top Brokerage 2025

Dedicated strata insurance brokers

Finding competitive strata premiums can be challenging in the current market. You get your own strata broker, who goes to market across 10+ insurers and tailors cover to each property owner or strata manager.

Apartment complex with landscaped common areas – strata insurance by Shielded Insurance

How do you get started?

Three steps, and we do the legwork.

1

Start a quote.

Fill the quote form above, or call us on 1800 97 98 99.

2

We compare the market.

We go to 10+ insurers and come back with options that fit your strata scheme. Same-day quotes available.

3

You're covered.

Pick the option that suits and we handle the paperwork.

Why choose Shielded

Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.

Strata specialists

We insure residential, commercial and mixed-use strata, including properties in high-risk and cyclone-prone areas.

Award-winning & highly reviewed

Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.

We handle renewals

Our renewals team reviews your cover and price every year, so it keeps pace with your scheme.

In your corner at claim time

Notify a claim 24/7. Our dedicated claims team deals with the insurer for you and keeps the committee informed.

“The claims experience was made so easy.” – Scott B., Google review

What property owners say about us

Real reviews from body corporates, unit owners and building owners we've insured across Australia.

Cover Options

Build the cover your strata scheme needs. Mix and match on one quote.

Building

Cover for the strata building and common property, with catastrophe, lot owners improvements and loss of rent or accommodation options.

Quote building cover

Public Liability

Cover if someone is injured or their property is damaged on common property.

Quote liability

Office Bearers Liability

Protects committee members, with legal defence costs and audit costs options.

Quote office bearers

Fidelity Cover

Cover for loss of strata funds through fraud or dishonesty.

Quote fidelity cover

Machinery Breakdown

Cover for breakdown of lifts, pumps, air conditioning and other building plant.

Quote machinery cover

Workers Compensation and Voluntary Workers

Cover for employees and for volunteers working on behalf of the strata scheme.

Quote workers cover

Strata insurance at a glance

Reviewed by Joshua Scutts, Shielded Insurance Brokers · Updated November 2026 · General information only

Who needs it
Body corporates, owners corporations and strata managers of residential, commercial and mixed-use strata properties.
What it covers
Building and common property, liability, office bearers liability, fidelity, machinery breakdown, catastrophe, loss of rent, legal defence and audit costs, voluntary workers and workers compensation.
What affects price
Building value, construction and age, location (including cyclone and flood exposure), number of lots, mix of uses, claims history and the excess you choose.
How we help
Your own strata broker compares 10+ insurers, a dedicated claims team handles claims, and a renewals team reviews your cover every year.

Frequently Asked Questions

We know strata insurance and the schemes that need it.

What types of strata properties do you insure?

We arrange cover for residential, commercial and mixed-use strata properties, including properties in high-risk areas such as North Queensland and cyclone-prone regions.

What does strata insurance cover?

Strata insurance covers the building and common property, plus options such as public liability, office bearers liability, fidelity cover, machinery breakdown, catastrophe cover, loss of rent or accommodation, legal defence costs, audit costs, lot owners improvements, voluntary workers cover and workers compensation.

Is strata insurance compulsory?

Strata legislation in each state and territory generally requires the body corporate or owners corporation to insure the building and hold public liability cover. The exact requirements vary by state, so we'll check what applies to your scheme.

Does strata insurance cover my unit's contents?

No. Strata insurance covers the building and common property, not your personal belongings. Owner-occupiers usually need their own contents insurance, and investors usually need landlord insurance.

Why is strata insurance more expensive in some areas?

Premiums reflect the risk of the property, so buildings in cyclone-prone or flood-exposed areas, older buildings and buildings with a history of claims can cost more to insure. Comparing across multiple insurers helps find competitive cover for higher-risk properties.

Who do I contact to make a claim?

Contact us at Shielded Insurance on 1800 97 98 99 – you can notify a claim 24/7. Our dedicated claims team will guide you through the process and deal with the insurer on your behalf.

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