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 — placed through insurers we deal with regularly.
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 to consider using a broker rather than buying direct.
Contract values change and subcontractor arrangements vary. We discuss your actual project mix, rather than relying on an off-the-shelf sum insured that may not suit a large contract.
We help you understand which risks sit under your policy, which may require subcontractors to carry their own cover, and how insurance requirements can be built into your subcontractor agreements.
A mid-project loss is a time-critical event. We support you with the claim from lodgement through settlement, liaising with loss adjusters and insurers on your behalf.
Tell us about your situation and a broker will come back to you — no jargon, no pressure, no obligation.
General advice warning: any advice we provide is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide.
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