---
title: "Queensland body corporate compulsory insurance"
url: "https://ailawframework.com/precedents/strata-and-community-titles/qld-compulsory-insurance"
type: "precedent"
site: "AI Law Framework"
id: "a47-qld-compulsory-insurance"
area_id: "A47"
kind: "checklist"
ai_level: "yellow"
version: 1
task_ids: ["A47-X20260927-5", "A47-R20260922-1"]
law_stated_as_at: "2026-10-22"
---

# Queensland body corporate compulsory insurance

> Checklist of the compulsory insurance the Queensland Government page states for a body corporate, including public risk of at least $10 million.

Canonical page: https://ailawframework.com/precedents/strata-and-community-titles/qld-compulsory-insurance  
Law stated as at: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

- Kind: Checklist. Steps or checks to work through and tick off.
- Practice area: [Strata & Community Titles](https://ailawframework.com/precedents/strata-and-community-titles.md)
- Jurisdictions: Queensland
- AI level: Yellow. You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at: 2026-10-22
- Status: Maintained. Checked on 2026-10-22 against the authority it cites, for Queensland.

## When to use it

Use when checking insurance for a Queensland body corporate under the Body Corporate and Community Management Act. Building-format detail and the 1980 Act are on pages that were not used for those tests.

## Used for these tasks

- [Prepare the scheme's insurance and valuation compliance report](https://ailawframework.com/practice/strata-and-community-titles/prepare-the-scheme-s-insurance-and-valuation-compliance-report.md)
- [Identify the governing statute and the by-law or scheme-rule power before advising](https://ailawframework.com/practice/strata-and-community-titles/identify-the-governing-statute-and-the-by-law-or-scheme-rule-power-befor.md)

## How AI may be used

AI may enter the policy limits from the schedule and flag a public risk figure below $10 million, and the lawyer checks each policy, the module and the replacement value.

**AI may:**

- Enter the insurer, period, replacement sum and public risk limit from the policy schedule
- Flag a public risk limit below $10 million for a single event, or below $10 million for the period of the policy
- List body corporate assets named in the asset register that have no public risk note in the file

**AI must not:**

- Must not decide that it is practical to insure a particular asset for public risk
- Must not decide that a building contains a lot or that the scheme is registered under another Act
- Must not choose the insurer or the sum insured

**The lawyer checks:**

- The scheme is one to which this page applies, not the Building Units and Group Titles Act 1980 page
- Public risk is at least $10 million for a single event and at least $10 million across the period of the policy
- Common property and body corporate assets are insured for full replacement value, including the extra costs the page lists

## Authorities

- [Queensland Government, Compulsory insurance (last updated 9 July 2025)](https://www.qld.gov.au/housing/body-corporate/finance-insurance/insurance/compulsory)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/strata-and-community-titles/qld-compulsory-insurance and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*