Construction & Builders Insurance That Protects Your Project

Protect your construction project against property damage, third-party injury, theft, weather events and legal liability — with cover structured to meet contract and lender requirements.

Covers contract works during construction
Public liability for on-site operations
Tools, plant and equipment cover available
Structured to meet building contract requirements

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Company / Entity name

Email Address

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Role

Required cover

Type of project

Estimated maximum project value

No obligation. Quotes tailored to your project and contract requirements.

Understanding Your Cover

What Is Construction Insurance?

Contract Works insurance is a specialised insurance package designed to protect building projects, contractors and construction professionals against the risks faced on construction sites. These risks can include property damage, injury to third parties, theft of materials, natural peril (weather) events and legal liability during the course of a build.

Construction insurance can be arranged on a project-specific basis or as an annual policy, depending on the nature of the works and contractual requirements.

Is This For You?

Who Construction Insurance Is For

Construction & builders insurance is commonly arranged by or for:

Residential and commercial builders

Head contractors and principal contractors

Subcontractors and trades (carpenters, electricians, plumbers, concreters)

Developers and property owners

Renovation and fit-out contractors

Civil, infrastructure and engineering contractors

Owner-builders (where permitted)

Construction companies working on single projects or multiple sites

Note: Contract Works insurance often becomes mandatory under building contracts, lender requirements or state-based licensing obligations.

Cover Options

What Does Construction Insurance Typically Cover?

Contract Works Insurance

Covers physical loss or damage to works in progress, materials and components on site caused by insured events such as fire, storm, theft or vandalism.

Public Liability Insurance

Protects against claims for injury or property damage to third parties arising from construction activities, including damage to neighbouring properties.

Products Liability Insurance

Covers liability arising from completed works, where defects cause injury or damage after handover.

Tools & Equipment Cover

Covers hand tools, mobile plant and construction equipment owned or hired by the insured.

Construction Plant & Machinery

Insures machinery such as excavators, cranes, bobcats and forklifts used on site.

Beyond the Basics

Additional Covers & Policy Extensions

Existing structures cover (renovations & extensions)
Principal-supplied materials
Transit cover for materials and equipment
Off-site storage cover
Temporary works (scaffolding, formwork, hoardings)
Removal of debris and demolition costs
Professional fees (architects, engineers, surveyors)
Weather-related damage (storm, wind, rain)
Cross-liability between insured parties
Principals and subcontractors noted on the policy

Policy Options

How Construction Insurance Is Structured

Single Project Policies

Cover one specific construction project from commencement to practical completion, including the defects liability period where applicable. Structured around contract value, scope of works, and project duration.

Annual Construction Policies

Provide ongoing cover for multiple projects within a 12-month period. Limits and terms are based on estimated annual turnover, project types, and maximum contract values.

The structure will depend on project value, duration, type of construction, contract conditions and scope of works.

Why It Matters

Tailored contract works solutions

Construction sites are high-risk environments

Contracts often require minimum insurance limits

Claims can involve significant financial exposure

Lenders and principals commonly require proof of cover

Uninsured losses can delay or derail projects entirely

Protect Your Project Before Work Begins

Speak with a broker who understands construction risks and contract requirements.

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FAQ's

Construction & Builders Insurance (also known as Contract Works insurance) protects building projects against physical loss or damage during construction, as well as liability risks that arise on site.

Contract Works insurance typically covers damage to works in progress, building materials and components caused by events such as fire, storm, theft, vandalism or accidental damage.

Construction insurance is often mandatory under building contracts, lender requirements or state-based licensing conditions. Requirements can vary depending on the project and jurisdiction.

This insurance is commonly required by builders, head contractors, subcontractors, trades, developers, owner-builders (where permitted) and construction companies working on residential, commercial or civil projects.

Contract Works insurance covers damage to the building project itself, while Public Liability insurance covers claims for injury or property damage suffered by third parties due to construction activities.

In most cases, yes. Many contracts require both covers, as they protect against different but equally significant risks.

Policies can be structured to include subcontractors, either automatically or by noting them on the policy, depending on insurer terms and contract requirements.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

Yes, construction insurance can be arranged for renovations and extensions. Additional cover may be required for existing structures depending on the scope of work.

Owner or principal-supplied materials can often be included, but this usually needs to be specifically noted in the policy.

Existing Structures cover protects the parts of a building that were already in place before construction commenced, which is particularly important for renovations and extensions.

Basic Contract Works policies may not automatically cover tools and equipment. Tools, plant and machinery usually require a separate Tools & Equipment or Plant & Machinery section.

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