The ONE All Risk Community Schemes Policy provides the perfect solution for all types of Domestic Community Schemes.

Cover is provided for the entire complex including all buildings, common property, office contents, vehicles, Personal Accident and all liabilities.

The policy is targeted at all sectional title complexes and developments, Homeowners Associations as well as share block buildings.

Key Benefits

  • Specific to Community Schemes
  • Fidelity Guarantee in compliance with the CSOS Act
  • 24/7 access to the Incident Management Centre to handle any after-hour emergency
  • Integration to Deeds Office for updated PQs

Additional Benefits

  • Loss of rent, rent escalation and inflation variable cover
  • Office contents
  • Money cover
  • Broadform liability including cover for gratuitous advice, wrongful arrest and defamation
  • Trustees liability or D&O
  • Principal controlled Contractors liability for any one period of insurance in respect of alterations, additions and maintenance to the property
  • Building modifications
  • Employers liability
  • Machinery breakdown
  • Accidental damage
  • Theft of landlords’ fixtures and fittings
  • Electric motors and gate motors
  • Security guards
  • Burst pipes and the costs of locating the water leak including any water loss

Optional Extensions

  • Solar PV, Inverter and Battery Cover


Thank you for contacting ONE, we hope to offer you a fantastic solution to your insurance needs. ONE is authorised to provide advice and product information to accredited Brokers only. Your Broker will need to give you the independent advice to ensure your insurance needs are appropriately met. Please provide your Broker’s contact details in the box below.