Builders Insurance

At a minimum, public liability (commonly $10m or $20m for principals and financiers) and contract works on the jobs you run. Most builders also carry plant cover for owned and hired gear, and workers cover once they employ. We structure the program around your projects, turnover and whether you want per-project or annual cover.

It depends on your turnover, the type and value of the projects you run, the states you work in and the cover you choose, so there is no single price. We compare 20+ insurers to find the right cover at a competitive premium. Tell us about your business and we will come back with options.

If you run one project at a time, single-project contract works can be simplest. If you run several jobs through the year, an annual program usually works out better: every project you start is covered under one policy and one renewal. We price both and recommend the fit.

The shape is similar, public liability and contract works at its core, but the limits and structure differ. Developers often need higher liability limits and cover tied to financier requirements; contractors need cover that matches their contracts. We tailor it to your role on the project.

Many commercial principals, government contracts and financiers require $20m; smaller residential work may only need $10m. We check your contracts and arrange the limit your sites actually require, with certificates of currency on request.