Builders Insurance
Find the suitable builders insurance cover at an affordable price for your business.
Insurance for Builders
Builders Insurance protects builders and tradespeople working in Australia, which makes covering your business with a suitable insurance policy important. Whether you’re a sole trader, subcontractor, or run a carpentry business, construction insurance helps protect you against potential risks.
Do Builders Need Insurance?
Yes — builders often face unique challenges, from property damage on a job site to injuries, which is why insurance is essential. Whether you’re a joiner, chippie, or cabinet maker – we make it easy and quick to get Liability Insurance Quotes so you can get covered and on site. Whether you just want liability cover, or you also want your tools or work ute covered, even insuring your wage for accident or sickness, we can get you covered quickly.
Compare builder insurance quotes
Compare builder’s insurance from Australia’s leading providers. Complete the form below and let us find quotes for you – we will get quotes from leading Tradie insurers in Australia and provide you with comparable prices and coverage so you can pick a policy that’s most appropriate for you, and get on site quickly.
Builder Insurance Brokers
At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in the construction and related industries. Our brokers compare builder insurance policies from trusted insurers, including QBE, CGU, Vero, Allianz, Zurich and more — offering insurance tailored to builders across Australia.
What Insurance Does a Builder Need?
The types of insurance a builder or tradie needs will depend on the size of your business, the types of clients you do carpentry work for (domestic, commercial and/or government) and the services you provide. Below are the most common types of insurance a builder would normally need as a minimum.
Public Liability Insurance
Protecting you if your work causes property damage or injury to others. For example, if a passer-by trips over your tools on-site, you could be liable.
General Property (Tools Insurance)
Your tools are vital to your trade. Tools insurance covers theft, loss, or damage to your equipment, ensuring you’re not left out of pocket
Personal Accident
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.
Commercial Motor Insurance
If you use a vehicle for your carpentry business, ensuring it’s adequately insured can save you from unexpected costs in case of accidents or damage
Business for Tradies
Tradies that own their own business need to consider different types of policies to those that work for the company as contractors.
Trade Credit
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.
How Much Does Builder Insurance Cost?
The cost of builder insurance depends on factors such as the work you do, your location, your tools and the amount of cover you need. Depending on the insurer, annual and monthly payment options are generally available.
Get builder Insurance Quotes
Fill out our quote form and receive fast, no-obligation quotes for building contractor liability, tool, vehicle and income protection insurance.
- 1300 857 225
- ausure.com.au
- Level 25, 324 Queen Street Brisbane, Queensland 4000 PO Box 10709 Brisbane AdelaideStreet, Queensland 4000
Expert Knowledge
A professional broker ensures you have apprporate coverage for your unique needs, giving you peace of mind with a tailored insurance program.
Save Time and Money
An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.
We Are On Your Side
Your Ausure broker ensures you're adequately covered, and handles the entire claims process, advocating for the outcome you deserve.
How Much Liability Insurance Do Builders Need?
Most carpenters choose $10 million in Public Liability cover, though options range from $5 million to $20 million. Factors to consider:
- Domestic vs commercial projects
- Work in apartments, units, or multi-storey buildings
- Contracts with builders or government that specify minimum cover levels
FAQs About Builders Insurance
Yes. Even if you don’t employ workers or work as a subcontractor yourself, you can still be sued or lose income due to on-site incidents involving injury, damage or theft.
Tool theft from vehicles is one of the most common claims among Aussie tradies and building contractors. Tools insurance covers this if you have adequate cover.
If you work on very small jobs, $5 million may be adequate. We generally recommend $10 million as minimum, especially if you do commercial work or take on projects with larger clients.
Yes. Most building and construction insurance policies can be paid monthly or annually.
Builders Insurance Australia-Wide
Ausure helps builders throughout Australia find construction insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with suitable builder insurance through our key insurance partners.
What Makes Ausure the Right Choice for Your Builders Insurance?
- Competitive Quotes – Save up to 50% vs market averages in some cases
- Fast Turnaround – Often same-day quotes to get you on site fast
- Easy to Manage – One broker, one point of contact
- Full Claims Support – We lodge, manage, and escalate claims for you
- Trusted Insurers – We compare major insurers, so you don’t have to.
Our Story
Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.
- Experienced Team
- Full Claims Service
- Insurance Coverage
