Contract works, public liability, and design-and-construct PI for Queensland builders who understand that a standard policy rarely survives contact with a real project.
These are the exposures that regularly catch Builders & Contractors off guard — often because they weren't on anyone's radar until a claim was already underway.
Material damage during construction — storm, fire, theft of materials, accidental damage by workers — is only covered under a contract works policy, not standard business or property insurance. A major loss mid-build without it can end a project and a business.
If an uninsured or underinsured subcontractor causes injury or damage on your site, the claim may flow back to you as the principal. Understanding which subcontractors are covered under your policy — and which require their own — is critical.
Post-completion defect claims are one of the most common disputes in residential construction. Knowing whether your policy covers the cost of rectifying your own faulty work — versus damage caused by it — is a question most builders don't ask until it's too late.
Construction sites are high-value targets. Copper, plant, machinery, and materials are routinely stolen or vandalised. The question isn't whether you'll experience site theft — it's whether your policy responds when you do.
Queensland's storm season doesn't wait for practical completion. Partially constructed frames, roofs, and slabs are especially vulnerable. A contract works policy covers storm, flood, and cyclone damage during the construction period.
Builders who provide design advice — even informally — carry professional indemnity exposure. If your project involves any design input, engineering coordination, or value-management advice, your standard liability policy won't protect you against a design-related claim.
The insurance products most relevant for Builders & Contractors — each placed through our panel of 20+ specialist insurers.
Covers material damage to works under construction from the commencement of works through to practical completion. Includes materials on site, temporary buildings, and removal of debris.
Covers your legal liability for injury to third parties or damage to their property arising from construction activities — including ongoing operations and completed contracts.
Essential for design-and-construct builders and project managers. Covers claims arising from errors or omissions in design, specification, or professional advice given in the course of a project.
Covers loss or damage to owned and hired plant — excavators, forklifts, scissor lifts, generators. Includes breakdown, accidental damage, and theft from site.
Three reasons an independent broker delivers more for your premium than buying direct.
Contract values change. Subcontractor arrangements vary. We structure your policy around your actual project mix — not an off-the-shelf sum insured that may leave you exposed on a large contract.
We help you understand which risks sit under your policy, which require subcontractors to carry their own cover, and how to build insurance compliance into your standard subcontractor agreements.
A mid-project loss is a time-critical event. We manage the claim from lodgement through settlement — liaising with loss adjusters and insurers so you can keep the project moving.
We had a significant weather event mid-build and the claim process could have been a nightmare. Alvero lodged everything, liaised with the loss adjuster, and had the settlement resolved in three weeks. We barely missed a beat on site.
Answers to the questions we hear most from Builders & Contractors — no jargon, no spin.
Contract works insurance (also called construction all risk or CAR insurance) covers physical loss or damage to the works under construction — the structure, materials on site, and temporary works. It covers perils like storm, fire, theft, flood, and accidental damage during the construction period. It is separate from public liability, which covers third-party injury or property damage.
It depends on how your policy is structured. Some policies extend cover to subcontractors working under your direct supervision; others require subcontractors to carry their own public liability. We review your policy wording carefully and advise which arrangement is appropriate for your business — and can assist you with standard subcontractor insurance requirements if needed.
If you provide any form of design input, coordinate engineering or architectural services, or make recommendations that influence how a project is built, you carry professional indemnity exposure. Design-and-construct builders in particular need standalone PI cover — the risk is not covered under a public liability policy.
Theft of materials on site is typically covered under a contract works policy, subject to the level of site security documented at inception. Theft of plant and equipment may fall under a separate plant and equipment policy. We review both when structuring your programme to make sure there are no gaps between the two.
Yes. Project-specific contract works and public liability policies are available for individual projects, particularly for larger contracts or joint ventures. We can structure standalone project policies or review whether your existing annual programme adequately covers the new contract value.
Tell us about your situation and a broker will come back to you within one business day — no jargon, no pressure, no obligation.
Or call us: 07 3155 2296