The ONE All Risk Community Schemes Policy provides the perfect solution for all types of Commercial and 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
  • Levy cover protecting the body corporate against levy default
  • Fidelity Guarantee in compliance with the CSOS Act
  • No Average with ONE’s Valuation and 10-year Maintenance Lite cover
  • 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
  • Power surge
  • 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


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