Builders Insurance

Cover your construction projects with tailored Builders Insurance.

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What Is Builders Insurance?

Builders insurance is a term people commonly use to describe insurance for those working in construction. It’s often called a contract works insurance and covers the risks that come with building projects. This package usually includes:

Public liability

Covers costs if someone sues you for injury or damage caused by your scaffolding work.

Material damage

Covers damage to the project you’re working on, like a house or building, if something goes wrong (e.g., a fire or storm).

Other common covers (depending on the policy):

Product liability: Covers damage or injury caused by products you install, like faulty wiring or plumbing.

Legal expenses: Helps pay for legal fees if you’re taken to court over an incident related to your work.

Temporary works: Covers things like scaffolding or temporary structures used during the project.

This insurance is designed to protect you, your clients, and the public from the risks of construction work.

Who Needs Builders Insurance?

If you work in construction, chances are you’ll need builders insurance (or a contract works package). Here are some common trades that should have it:

New home builders: People building houses from scratch.

Renovators: Those fixing up or extending existing homes or buildings.

Carpenters: Workers handling timber framing, roofing, or other woodwork.

Bricklayers: Those laying bricks or blocks for walls and structures.

Concretors: People pouring concrete for foundations, driveways, or slabs.

Plumbers: Workers installing pipes, drainage, or gas systems.

Electricians: Those setting up wiring, lighting, or electrical systems.

Painters: People painting homes or commercial buildings.

Landscapers: Workers building retaining walls, paving, or other outdoor structures.

Demolition contractors: Those knocking down buildings or structures.

Basically, if you’re doing any kind of building or trade work that could accidentally cause injury or damage, you’ll likely need this insurance.

Why You Need Builders Insurance

Covers accidents

If someone gets hurt or something gets damaged because of your work, this insurance helps pay for medical bills, repairs, or compensation.

Pays for legal stuff

If someone takes you to court over an accident or damage, it covers your legal fees.

Gets you jobs

Many clients, councils, or construction sites in Australia won’t let you start work without this insurance. It shows you’re legitimate and can cover any problems.

How to Pick the Right Builders Insurance

Work out what you need

Think about the size of your projects and the risks. Smaller jobs might need $10 million in public liability cover, while bigger ones might need $20 million or more.

Check job rules

Some clients or sites will ask for a certain amount of cover. Ask them upfront so you get a policy that fits their requirements.

Compare options

Don’t just go for the cheapest policy. Check what each one covers, like injuries, property damage, or legal costs. Make sure it suits the kind of work you do.

Read the details

Before you sign up, look at what’s covered and what’s not. Some policies might not cover risky tasks or might limit how much you can claim. If you’re confused, ask questions.

Talk to a broker

This covers your stock, cash, or equipment if they’re stolen or damaged in a break-in. It can help you replace items like tobacco products or registers.Glass and Signage Insurance for Your Shopfront: This covers the cost of fixing or replacing broken glass, like your shop’s windows or doors, and any signage if it’s damaged. It’s useful for tobacconists with large shopfronts.

Frequently asked questions

What does builders insurance cover?
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It helps pay for:
  • Injuries to people, like workers or random passersby.
  • Damage to things, like buildings, cars, or other property.
  • Legal fees if someone sues you over an accident.
  • Damage to the project you’re working on (like if a storm wrecks your half-built house).
What doesn’t it cover?
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It won’t cover:
  • Your own tools or equipment.
  • Injuries to you or your employees (you’ll need separate workers’ compensation insurance for that).
  • Damage you caused on purpose.
  • Work you knew had potential for claim to begin with.
Does it cover subcontractors?
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Usually, no. Subcontractors need their own insurance. If you’re hiring them, check that they have their own cover before they start, or you might be stuck paying for their mistakes.

Upgrade Your Business Defence.

Catered to your industry and risk profile. Our team is ready to help you fortify your business against potential risks.

What’s your annual revenue?

Please let us know your annual revenue.

What’s your business name?

Please fill in the details below.

Describe your business activities

Please fill in the details below.

What are your contact details?

Please fill in the details below.

Previous
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Thank you for your enquiry
We'll contact you shortly to discuss.
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