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Construction Insurance

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Insurance for Builders

As a builder in Australia, whether you’re a sole trader, contractor, or run a construction company, having the right insurance is essential to protect your business from unforeseen risks. Builders face a wide range of hazards on-site, from property damage to personal injury, making liability insurance a critical component of your insurance plan. Whether you’re a general contractor, construction manager, or project builder, safeguarding your business with appropriate insurance will provide financial security and peace of mind. Speak with an Ausure insurance broker about builders insurance and how it can protect your business from risks inherent to your trade.

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Full Review to assess what insurances are required by a Insurance Broker 

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote. 










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Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

  1. Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
  2. Have you ever been declared bankrupt?
  3. Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
  4. Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
  5. Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Claims History

  1. Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
  2. Have you had any Business or Personal Insurance claims in the last 5 years?
  3. Within the last 5 years, have you ever been charged or convicted of a criminal offence?

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How Much Liability Insurance do Builders Need?

Most builders opt for Public Liability Insurance with coverage of $5 million, $10 million, or $20 million, depending on the size of their projects and the risks involved. We do not generally recommend $5m of Liability Insurance as this provides minimum cover in the event of a claim. The usual amount most tradies take is $10m. 

Larger contracts or commercial work may require higher coverage. It’s important to assess your work scope, the types of clients you serve, and the risks you encounter to choose the right coverage.

The types of things to consider when deciding on $5m, $10m, $20m or $50m of Liability Insurance include:

  • Whether you work only on domestic projects (residential homes) or on commercial projects (including retail & hospitality)
  • The types of premises where you complete work – stand alone residential homes carry less risk than working in unit blocks/apartments or premises that have adjoining buildings.
  • Whether you work on commercial or government projects – these will require a higher level of cover and often form part of the contract requirements.


What makes Ausure the right choice for your Builders Insurance needs?

Our partnerships with Zurich, Chubb, CGU, QBE and other leading insurers mean competitive pricing and strong relationships to help us negotiate and achieve better outcomes for clients. 

Competitive Quotes

In a recent market comparison, our quotes were sometimes up to 50% cheaper than others provided by competitors. Instant quotes aren’t always better quotes – it’s worth the wait while we do the hard work in getting you appropriate cover options with competitive pricing.

Insurance Made Easy

We help make insurance simple and easy to manage – we can help with all of your insurance needs, from Public Liability, General Property (Tools Cover) and Personal Accident, right through to Commercial Motor, Business Packages and Corporate Travel (and more!)

Dedicated Account Manager

Your insurance policy is managed by the same person for the life of the policy. Not only does that mean that you have a real person that you can call - it means one point of contact for all of your insurance needs and questions.

Fast Quote Turnaround

Depending on your business and insurance requirements, we can usually provide quotes the same day (Monday to Friday) – to get you covered and on site quickly. Choose from an annual or pay by the monthly policy depending on your cashflow.

Full Claims Management

We provide full claims management - from lodgment to follow ups and escalations if needed. We work for you, not the insurer - and fight to get you the deserved claims outcome. Save stress and frustration by not having to deal with the insurer directly - we take care of the entire claims process for you.

Quotes from Leading Insurers

We compare quotes and cover options from leading Tradie insurers in Australia. Save time and money by letting us do the shopping around and comparing for you - we will provide you with a list of quotes from insurers that we believe offer the most competitive premiums and appropriate cover for your needs.

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We compare policies from trusted insurers, to find you the right cover at an affordable price. Check out some of our trusted partners below.

We provide you with builders insurance quotes from some of Australia’s leading insurers for builders, so you can pick a cover and price that’s right for you. Depending on your business requirements, we will aim to provide 3 comparable quotes. The number of quotes offered may be less if insurers are unable to provide cover, we will provide a quote on the most appropriate quotation. 

VERO
NTI
Chubb

What insurance does a Builder need?

The types of insurance a Builder needs will depend on the size of your business, the types of clients you complete building projects for (domestic, commercial and/or government) and the services you provide. Below is the most common types of insurance a builder would normally need as a minimum – however there will be other types of insurance you should consider based on your specific business operations.

Personal Accident Insurance

Individual Personal Accident Insurance Coverage as a result of injury, sickness, death or disability for individuals and/or sole traders with various scopes of cover to choose from.
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Public Liability Insurance

This is the most crucial insurance for builders, protecting you if your work causes property damage or injury to a third party. For instance, if a client or passerby is injured by falling debris or damaged equipment, public liability insurance can cover legal and compensation costs.
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General Property (Tools Insurance)

Builders often use expensive tools and equipment, so it’s important to protect these assets. General Property Insurance, also known as Tools Insurance, covers theft, loss, or accidental damage to your equipment.
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Business Insurance for Tradies

Tradies that own their own business need to consider different types of policies to those that work for the company as contractors.
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Commercial Motor Insurance

If you use a vehicle for your builders business, ensuring it’s adequately insured can save you from unexpected costs in case of accidents or damage.
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Trade Credit Insurance

If you offer credit terms to your clients, Trade Credit Insurance protects you from potentially being left out of pocket if clients fail to pay.
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Contract Works Insurance

This covers loss or damage to building materials, tools, and equipment during a construction project. It also protects against unforeseen events like fires, storms, or theft that could delay or disrupt the project.
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Professional Indemnity Insurance

This protects builders against claims arising from design errors, poor advice, or negligence in professional services, particularly if you offer design-and-build services or provide consultancy.
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We make it easy to get insurance for Builders – Australia wide.

We are the trusted, Insurance for Builders Insurance experts in Australia.

Ausure we care Insurance Broker

The types of Business Insurance we can help with:

  • Public Liability Insurance
  • Workers’ Compensation Insurance
  • Builder’s Risk Insurance (Contract Works Insurance)
  • Professional Indemnity Insurance
  • Commercial Auto Insurance
  • Equipment and Tool Insurance
  • Inland Marine Insurance
  • Commercial Property Insurance
  • Product Liability Insurance
  • Management Liability Insurance
  • Business Interruption Insurance

Construction and Building Insurance in Queensland, Victoria, Western Australia, South Australia, Tasmania, New South Wales and the Northern Territory.

The types of Construction and Building businesses we can assist:

  • Home Builders
  • Renovation and Remodeling Contractors
  • Apartment and Multi-Unit Developers
  • Commercial Builders
  • Industrial Builders
  • Hospitality and Tourism Builders
  • Civil Engineering Contractors
  • Utility Contractors
  • Heavy Construction Contractors
  • Electrical Contractors
  • Plumbing and HVAC Contractors
  • Carpentry and Joinery Contractors
  • Roofing Contractors
  • Painting and Decorating Contractors
  • Concrete and Masonry Contractors
  • Landscaping and Site Preparation Contractors
  • Architectural Firms
  • Engineering Firms
  • Surveying Firms
  • Construction Project Management Firms
  • Construction Consulting Firms
  • Property Maintenance Services
  • Facility Management Services
  • Sustainable Builders
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