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Construction insurance

Contract Works Insurance

Contract works insurance covers the building work itself while it is under construction: your materials, the works in progress and often the existing structure, against fire, storm, theft and accidental damage before hand-over. Construction Cover arranges it for single projects or as an annual program, placed across 20+ insurers by our specialist team.

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Cover

What contract works insurance covers

Works in Progress

The core of the cover: your construction work and the materials on site, against fire, storm, theft, vandalism and accidental damage while the job is under way and before it is handed over.

Existing Structures

On renovations and extensions, cover can extend to the existing building you are working on, not just the new work, so damage during the job is not left uninsured.

Storm, Fire & Theft

The perils that hit a half-built site hardest. Contract works responds when weather, fire or theft sets your project back before completion.

Single-project or Annual

Insure one project for its duration, or cover every job you start in the year under an annual program. We arrange whichever suits how you work.

Plant, Tools & Debris Removal

Cover can extend to your plant and tools on site and the cost of removing debris after an insured event, so a loss does not stall the build.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Construction Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Contract works insurance questions.

Speak with our team on 1300 080 323.

What does contract works insurance cover?
It covers the building work itself while under construction: your materials, the works in progress, and often the existing structure on renovations, against fire, storm, theft and accidental damage before hand-over. It is the cover that protects the project, alongside public liability which protects other people.
How much does contract works insurance cost?
It depends on the project value, the type of work, the build duration and whether you insure per-project or annually, so there is no single price. We compare 20+ insurers to find the right cover at a competitive premium. Tell us about the project and we will come back with options.
Single-project or annual contract works, which do I need?
If you run one job at a time, a single-project policy covers that build for its duration. If you have several jobs through the year, an annual program covers every project you start under one policy, which is usually simpler and better value. We price both.
Does contract works cover existing structures during a renovation?
It can. On renovations and extensions we arrange cover that includes the existing building you are working on, not just the new work, so damage to the structure during the job is not left uninsured. We confirm this is in place before you start.
Who needs contract works insurance, the builder or the owner?
It depends on the contract. Often the builder arranges it for the project; on owner-builds or some contracts the owner does. We work out who should hold the policy for your job so there is no gap and no doubling up.

Related cover

Builders InsuranceOwner Builder InsuranceConcreters Insurance

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Construction Cover is a brand of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).