Design & Construct Insurance
Public Liability Doesn't Cover Your Professional Advice.
If you draft plans, modify designs, or manage sub-consultants, you need Design & Construct Insurance. Standard Public Liability only covers accidents, not financial loss from design errors.
10+
D&C Underwriters
National
Coverage
Same-Day
Quotes
Recognition
At Tank Insurance, we specialise in Design & Construct policies for builders across Australia. We know how to protect your professional advice.
Builders Professional Indemnity
Whether you draft your own designs, amend plans, or hire consultants and take responsibility for their work, you need cover that protects your professional advice.
Construction PI Specialists
We work with specialist underwriters who understand design and construct risk profiles, ensuring your professional liability is properly protected.
The Problem
Public Liability Doesn't Cover Design Errors
Most builders assume their Public Liability policy covers everything. It doesn't.
Public Liability covers physical damage or injury (like a wall falling on a car). But it doesn't cover financial loss (like a wall designed incorrectly that needs to be rebuilt).
Design Errors
If you draft plans or modify designs, you're exposed to claims for incorrect specifications and design mistakes.
Vicarious Liability
Engage subcontractors or consultants? You could be liable for errors in their work if you've taken responsibility under the contract.
Contract Requirements
Many D&C contracts now require Professional Indemnity insurance. Without it, you can't win the work.
The Solution
Design & Construct Insurance Built for Builders
We seek D&C policies built specifically for the risks encountered by builders and construction firms. Cover that protects your professional advice, design services, and project management, not just physical work.
D&C Insurance
Comprehensive design and build cover that protects against claims of financial loss from design errors or professional negligence.
Vicarious Liability Cover
Protection for errors made by your subcontractors and consultants that you engage on your projects.
Construction PI
Tailored policies for both large commercial projects and smaller residential builds with design elements.
Who Needs D&C Cover
Builders Who Design
If any of these apply to you, you likely need Design & Construct Insurance.
Scenario
Draft Your Own Designs
You create or modify building plans, even if just adapting standard designs for site conditions.
Design Risk
Professional advice exposure
Scenario
Manage Subcontractors
You engage subcontractors or consultants but take responsibility for their work under the head contract.
Vicarious Liability
Subcontractor error exposure
Scenario
Advise on Materials
You provide advice on construction methods, materials selection, or specifications to clients.
Advisory Risk
Professional negligence exposure
Recent Placements
How We've Helped Builders Get Cover
01 Modular Builder Facing Market Declines
Queensland | ~$3M turnover
Modular Builder Facing Market Declines
Queensland | ~$3M turnover
A Queensland commercial builder specialising in modular construction was scaling toward $3M turnover. Traditional providers declined due to the "non-traditional" nature of their projects, leaving them uncertain about coverage for their design advisory work.
Result: Full PI coverage established within 72 hours at around $4,500.
02 HVAC and Fire Safety Firm After Five Declines
Sydney | $1.2M turnover
HVAC and Fire Safety Firm After Five Declines
Sydney | $1.2M turnover
A Sydney mechanical services firm faced rapid declines from major underwriters at renewal. Their $1.2M business spanning HVAC, Fire Safety Engineering and Project Management was too complex for most insurers to categorise.
Result: Secured PI at around $7,000 with continuous coverage across all activities.
03 Electrical Contractor PI Market Validation
NSW | ~$250,000 turnover
Electrical Contractor PI Market Validation
NSW | ~$250,000 turnover
A residential electrical contractor providing design-based electrical services wanted to ensure their Professional Indemnity cover was competitive. We benchmarked their existing PI against the entire market.
Result: Validated market leading PI premium at around $1,900.
04 Solar Firm Declined by Multiple Insurers
Australia-wide | Commercial + Residential
Solar Firm Declined by Multiple Insurers
Australia-wide | Commercial + Residential
A solar and electrical services firm managing complex installations across residential and commercial sites was viewed as "high risk" by standard insurers. Two other brokers had already failed to secure terms.
Result: Secured PI at around $5,000 with full coverage for their design and installation work.
SPECIALIST UNDERWRITERS
Our D&C Insurance Partners
We work with specialist underwriters who actually understand construction risks. These aren't generalist insurers, they're specifically designed to cover builders and construction professionals doing design work.
Insurance Partners
"Many builders don't realise their Public Liability policy has a gap when it comes to design work. D&C Insurance fills that gap, protecting your professional advice and design decisions, not just your physical work."
Brady Henderson
Construction Insurance Specialist, Tank Insurance
Ready to Protect Your Design Risks?
Fill out the form above, or scroll back up to get started. One of our construction insurance specialists will be in touch within 24 hours.