Contractor Insurance.
Cover for the Risks
Others Won't Touch.
If you're a builder, carpenter, scaffolder, or any kind of construction contractor, you've probably noticed that getting insurance isn't always straightforward. Standard policies often don't fit the work you actually do. Insurers decline based on occupation, activity splits, or equipment. And explaining your business to someone who's never been on a building site gets old fast.
99%
Placement Rate
24h
Typical Turnaround
100+
Construction Risks
Recognition
Access to Australia's leading insurers and underwriting agencies, including:
We work with contractors across Australia, from sole traders doing domestic renovations to commercial construction crews running multiple projects. We help when mainstream insurers say no, when you need specific policy wording for a contract, or when you just want someone who understands what you actually do.
RISK ARCHITECTURE
What we cover
Most contractors need some combination of these core covers to satisfy site requirements and protect their assets.
Why contractors come to us
The most common reason? They've been declined elsewhere. Construction is a higher-risk industry, and many insurers have a narrow appetite. Scaffolders, roofers, concreters, and anyone working at height often find the big insurers won't quote.
We have access to underwriters who actually write these risks, including HSUA, Arena, Protecsure, Relyon, and several Lloyd's markets. When mainstream insurers won't quote, we usually have options that match your actual scope of work.
We find the right markets for high-risk trades and ensure your policy wording meets head contractor requirements.
PLACEMENT ARCHIVE
How we've helped
Recent placements for contractors who were previously declined by mainstream markets.
TECHNICAL ANALYSIS
What we look at when quoting
To get you accurate quotes, we'll typically ask about these key business metrics and risk factors.
Your trade or occupation, and what percentage of your work falls into different categories (some insurers care about the split between domestic and commercial, or ground-level versus height work).
Annual revenue and subcontractor payments.
The limits you need, and whether there are specific requirements from your clients.
Claims history, including any incidents that didn't result in a claim.
Equipment and vehicles to be covered.
Any specific policy wording requirements from head contractors.
Your trade or occupation, and what percentage of your work falls into different categories (some insurers care about the split between domestic and commercial, or ground-level versus height work).
Annual revenue and subcontractor payments.
The limits you need, and whether there are specific requirements from your clients.
Claims history, including any incidents that didn't result in a claim.
Equipment and vehicles to be covered.
Any specific policy wording requirements from head contractors.
KNOWLEDGE BASE
FAQs
Get the right cover for your contracting business.
Speak to a specialist construction broker who understands your trade and your risks.