Contract Works Insurance.
Policies Bound Same-Day.
Construction sites are high-risk. One storm or theft can wipe out your margin. We negotiate directly with specialist underwriters to secure tailored protection for builders and owner-builders.
Access to Australia's leading construction insurers and underwriting agencies, including.
COVERAGE OPTIONS
Choose Your Coverage Type
Select the option that best describes your project requirements.
For Licensed Builders & Civil Contractors
Professional Builders
- ✓ Annual policies covering all projects
- ✓ Based on turnover, not individual jobs
- ✓ Run-off cover options available
For Renovators, Developers & Homeowners
Owner Builders & Single Projects
- ✓ Cover for one specific site/duration
- ✓ Includes "Existing Structures" for renos
- ✓ Essential for council compliance
What is Contract Works Insurance?
Contract Works Insurance (also known as Construction All Risks) bridges the gap between a standard property policy and public liability. It covers the physical structure being built and the materials on-site against loss or damage.
If your timber frame is destroyed by a storm or your copper wiring is stolen, this policy pays to repair or redo the work.
The Common Confusion
You usually need both Contract Works and Public Liability, but they cover fundamentally different things. One protects your assets; the other protects your legal liability.
| Feature | Contract Works | Public Liability |
|---|---|---|
| What it covers | The Building & Materials | Third-Party Injury or Damage |
| The Risk | "The Stuff" | "The People" |
| Example Claim | A storm blows down a brick wall. | A brick falls and hits a parked car. |
| Who pays? | Pays you to rebuild. | Pays the victim for their loss. |
Market Access
Who We Work With
We don't rely on generic computer algorithms. We speak directly to underwriters at Australia’s leading construction agencies to find the right home for your risk.
Insurance Partners
Case Study
Real Client Result: The $8k Saving
We recently helped a builder with ~$5M revenue who was renewing an annual policy for $35k. We took their risk profile to the open market, negotiated, and secured better terms for $27k.
This was an instant $8k saving just by having a broker who knows where to look.
What Is Covered?
A robust policy is designed to restore your project to the stage it was at immediately prior to the damage.
Natural Disasters
Storm, wind, hail, flood, and cyclone damage.
Fire & Explosion
Damage caused by fire or on-site explosions.
Theft & Vandalism
Burglary of materials (e.g., copper wiring) and malicious damage.
Demolition Costs
The cost to clear the site after an event so rebuilding can commence.
Existing Structures
Essential for Renovations. Protects the house that is already there (most generic policies exclude this by default).
LEG 3 Clauses
For Larger Projects. We seek to secure 'LEG 3' clauses to offer broader protection against damage caused by design or workmanship errors.
Generic online policies often miss these extensions. We check your scope of works to ensure you aren't left exposed.
Pricing Factors