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Construction insurance

Owner Builder Insurance

As an owner builder you take on the responsibilities a licensed builder normally carries: the site, the subcontractors, the public and the works in progress. Construction Cover arranges public liability, contract works and personal accident cover sized to your owner-build, placed across 20+ insurers by our specialist team.

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Cover

What insurance do owner builders need?

Public Liability

As the person running the site, you carry the liability a licensed builder normally would. Public liability responds if a visitor, neighbour or passer-by is injured, or their property is damaged, during your build. Councils and lenders often require it.

Contract Works

Your build in progress and the materials on site, against fire, storm, theft and accidental damage before completion. For an owner-build, this protects the money you have already put into the project.

Personal Accident & Illness

Owner-building is hands-on and around the clock. If an injury or illness stops you working on the build or earning elsewhere, personal accident and illness cover helps keep things moving.

Tools & Equipment

The tools and hired gear you rely on to get the build done, covered against theft and damage on site.

Storm, Fire & Theft

The site perils that can set an owner-build back months. Cover responds so a loss does not derail your project or your budget.

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

Owner builders insurance questions.

Speak with our team on 1300 080 323.

What insurance does an owner builder need?
Usually public liability for the site, contract works for the build in progress, and personal accident cover because you are hands-on. Depending on your state and project there can be additional owner-builder requirements. We size cover to your build and flag anything your council or lender asks for.
How much does owner builder insurance cost?
It depends on the project value, the state you are building in, the length of the build 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 build and we will come back with options.
Is owner builder insurance different from a licensed builder's?
The risks overlap, but owner-builders carry them personally rather than through a building company, and some states have specific owner-builder rules. We arrange cover built for owner-builds, so you are not relying on a policy designed for a licensed builder.
Do I need contract works insurance as an owner builder?
In most cases yes. Contract works protects the build itself, your materials and the work in progress, which on an owner-build is money straight out of your pocket. We almost always recommend it alongside public liability.
Can I get public liability as an owner builder?
Yes. We arrange public liability sized to an owner-build, covering injury or property damage to others during your project. It is often required by councils and lenders, and we can provide a certificate of currency.

Related cover

Builders InsuranceContract Works InsuranceCarpenters Insurance

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Get my quote 1300 080 323

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).