Australian policy wordings, in the open.
Policy wordings, drafted from first principles against the Insurance Contracts Act 1984 (Cth). Read them, adapt them under CC BY 4.0, and suggest changes. Every wording here is a working draft, subject to legal review.
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Professional Indemnity Insurance
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.
Directors & OfficersDirectors & Officers Liability Insurance
Cover for directors and officers against claims for wrongful acts in their roles.
Side A D&OSide A Directors’ & Officers’ Liability
Excess cover reserved for individual directors and officers.
Excess of LossExcess of Loss Insurance
Follow-form excess layer above a named primary policy, with no automatic drop-down.
Management LiabilityManagement Liability Insurance
Combined cover for private companies — D&O, employment practices, and more.
Financial Services PIFinancial Services Professional Indemnity Insurance
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.
Investment ManagementInvestment Managers Indemnity Insurance
Professional liability, D&O and crime cover for investment managers, responsible entities and trustees.
CyberCyber Insurance
First- and third-party cover for cyber events and data breaches.
CrimeComprehensive Crime Insurance
Cover for loss from employee and third-party crime — fraud, theft, social engineering.
Technology LiabilityComprehensive Technology Liability Insurance
Combined technology professional and product liability, with cyber and general-liability layers.
Personal Accident & SicknessPersonal Accident and Sickness Insurance
Capital and weekly benefits for one named person, for injury and, if chosen, sickness, sold through brokers.
Group Personal Accident & SicknessGroup Personal Accident and Sickness Insurance
Capital and weekly benefits for categories of employees, volunteers, players and students, bought by an organisation for its people.
Corporate TravelCorporate Travel Insurance
Annual cover for an organisation's business travellers: medical, accident, disruption, luggage, liability, kidnap and crisis, sold through brokers.
TravelTravel Insurance
Single-trip cover for individuals, couples and families leaving Australia, with three plans, sold direct or through brokers.
Public & Products LiabilityPublic and Products Liability Insurance
Broadform liability cover for injury and property damage caused by your business or your products, on an occurrence basis.
Business PackageBusiness Package Insurance
A modular package for small and medium businesses — property, business interruption, crime, liability, cyber, management liability and more.
Commercial MotorCommercial Motor Insurance — Individual Vehicles and Fleets
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.
Private MotorPrivate Motor Insurance
Private car insurance for individuals, built on the Commercial Motor base wording.
Private MotorPrivate Motor PDS Template
Part A of a Product Disclosure Statement for the Private Motor wording, including its departures from motor standard cover, for an issuer to complete.
ConstructionConstruction All Risks and Liability Insurance
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.
StrataStrata Insurance
Building, liability, office bearers, fidelity and machinery cover for residential, commercial and mixed-use strata schemes, bought by the body corporate.
LandlordsLandlords Insurance
Building, landlord's contents, loss of rent, tenant damage and liability cover for owners of residential investment property.
HomeHome and Contents Insurance
Home building, contents and personal liability cover for owner-occupiers and renters.
Marine CargoMarine Cargo Insurance
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.
MedicalAllied Health Insurance
Combined professional indemnity and public and products liability for individual allied health practitioners.
MedicalMedical Establishments Insurance
Entity medical malpractice for practices, clinics, day surgeries, private hospitals and aged care. Never covers a doctor's own liability.
Firms that work with the Commons.
Adopting an open wording still means engaging your own lawyers — to review it against your appetite and capacity terms, endorse it for your book, and act when a claim comes in. A panel of independent Australian insurance law firms is familiar with the Commons library and available to be engaged directly for wording review and claims work on Commons-based policies. Firm names are published here as each listing is confirmed.
m: +61 489 084 335
stuart.lloyd@atmosgroup.com.au
t: +61 2 9373 1485 · f: +61 2 9373 3599
malcolm.cameron@sparke.com.au
Listing is not endorsement. Wording partners listed here do not endorse, approve, or stand behind any Commons wording, and no firm has reviewed or signed off any draft in this library unless a review letter from that firm says so. Panel firms have indicated they are happy to work with Commons wordings for their own clients, on their own terms and at their own rates. Each firm acts only for the clients that engage it; nothing here creates a lawyer–client relationship, and Cuttleflow receives no fee for these listings.
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