Strata Management Insurance

Strata management insurance for the risks behind every decision

Forge designs insurance programs for strata management firms, structured to protect your business, your people and your balance sheet across professional, financial and operational risks.

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Why This Is Different

Why this is different

Running a strata management firm carries a different exposure profile than most professional services businesses. The volume of decisions made daily across multiple schemes. The fiduciary nature of trust account management. The personal data held on thousands of owners. The committee dynamics that turn a routine decision into a complaint or a claim. A compliance environment that has tightened materially over the past decade.

Forge structures cover for strata management firms with a deep understanding of the segment, the regulatory environment and the claim patterns that actually apply. That insight shapes how the cover is built, where the gaps tend to sit, and how claims are managed when they arise.

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What we cover

Strata management firms need more than a single policy. Forge structures insurance programs around the professional, financial and operational risks involved in managing schemes, committees, owners, trust accounts and sensitive data.

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Professional Indemnity

Cover for claims arising from the advice, decisions and execution work of the management business. Structured with attention to the multi stakeholder claims dynamics that distinguish strata from generic professional services work.

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Management Liability

Protection for the directors, officers and the entity itself. Wrongful acts, statutory liability, employment practices and crisis costs.

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Cyber

Strata management firms hold significant personal data on owners across the schemes they manage. Cyber cover responds to data breach, business interruption from cyber incidents, ransomware, and the regulatory notification obligations that follow a breach.

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Fidelity and crime

Trust account exposure is one of the most material risks the firm carries, and is excluded under most professional indemnity policies. Crime cover responds to internal theft, fraud and forgery, and is typically structured around the size of the trust accounts under management.

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Employment practices liability

Claims by employees and former employees, including wrongful dismissal, discrimination, harassment and workplace investigations.

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Operating covers

The standard business covers every firm needs. Office, contents, business interruption, casualty, motor and public liability. Placed efficiently, reviewed at renewal, with the same discipline.

Who this is for

Forge engages across single-site placements, multi-asset portfolios and structured property programs. Each placement is shaped by the asset's occupancy, construction, claims profile, business interruption exposure and current market appetite. The engagement is built around the buyer, not the product.

Independent strata managers

Single operator and small firms where the principal carries personal exposure to claims and needs cover that protects the operating entity and the people running it.

Mid sized firms

Established management businesses with multiple managers, growing portfolios and increasing complexity. Often the point at which the original PI placement no longer fits the operating reality of the business.

Larger groups and networks

Multi office, multi state and franchise structures. Cover that reflects the entity structure, the trust account architecture and the way risk is allocated across the network.

New enquiry

Discuss your firm's insurance

Whether you're reviewing your current placement, growing into a new structure or facing a specific exposure, our team is available for a direct conversation.

20+ years specialist strata and commercial broking

Markets and capacity others can't reach

A read of your placement, not a pitch

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