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Comprehensive Construction & Liability Insurance for Builders in Australia
Protect your construction projects, materials, and equipment from a wide range of risks with tailored Contractors All Risk and Contract Works insurance.
Construction Always Comes With Risks, It’s Unavoidable
If you’re a builder, contractor, or site manager, you know how quickly things can go wrong, and when they do, having comprehensive construction and liability insurance puts your business in a position to tackle it.
At CGIB, we specialise in Contractors All Risk Insurance and Contract Works Insurance, providing tailored coverage for active projects, building materials, and equipment onsite. Additional builders public liability insurance can be built into your policy, safeguarding against legal claims from third parties due to injury or property damage. Don’t take the risk—get your coverage today.
Please refer to the Insurer’s Product Disclosure Statement (PDS) or Policy Wording when deciding if this product is right for you
What is Contractors All Risk & Contract Works Insurance?
Contractors All Risk Insurance (also called Contract Works Insurance) protects builders against financial loss caused by damage to works in progress, materials, and equipment on-site. It also provides options for builder liability insurance, meaning any third-party claims are covered.
Builder Liability Insurance At A Glance
- Cover for building materials and site equipment damaged by fire, storm, water, theft, or malicious acts
- Protection against accidental damage and vehicle impact to partially built works
- Insurance for loss or damage during construction, including site-based machinery
- Built-in builders public liability insurance, covering claims from third-party injury or property damage caused by your business operations
- Optional add-ons for pollution liability, display homes, professional indemnity, and more
- Flexible policy options: annual cover or single-project policies to suit your business model
Who Is This Insurance Made For?
- Registered builders
Protect your projects and reputation with comprehensive builder liability insurance tailored for licensed professionals. - Independent contractors
Stay covered on every job site with flexible insurance designed to suit your specific trade and contract work. - Subcontractors and trades
Don’t gamble with your tools or materials, with insurance that supports you wherever you’re working. - Developers and project managers
Mitigate risks across multiple builds with policies that protect your investment, team, and timeline. - Construction service providers
Whether you’re supplying materials or managing logistics, don’t let unexpected setbacks get in the way.
Why Construction & Liability Insurance is Essential
Construction projects are fast-paced, complex, and often unpredictable. Risks such as on-site accidents, weather events, theft or equipment loss will happen—it’s just a matter of when. When they do, hefty financial consequences could arise if you’re uninsured.
Let’s look at a real world example. A site worker accidentally drove a machine into a completed retaining wall, causing major structural damage. Thanks to the builder’s CGIB policy, the repair costs and third-party claims were fully covered under their builder liability insurance so the project remains on track and the budget intact.
Why Choose CGIB for Construction & Liability Insurance?
Your cover, for your project: Everything at CGIB is completely customised. We create policies based on your project type, scope, and risk profile, whether you’re managing residential builds or large-scale developments.
Affordable premiums and flexible payments: CGIB offers competitive rates and the option to pay monthly—helping you manage project cash flow without sacrificing peace of mind.
Specialists in builder liability insurance: Our team has comprehensive knowledge of the construction industry. We understand licensing requirements, contractor relationships, and the risks unique to your trade, and your insurance reflects that.
Fast claims, fewer delays: We know construction moves fast. That’s why our claims process is streamlined, straightforward, and handled by experts who know how to get your project back on track quickly.
Don’t Leave Your Site Unprotected
If you’re a builder, you can’t afford to leave your project exposed. Whether you’re overseeing a single renovation or managing a portfolio of developments, CGIB is here to make sure your work is protected from the ground up.
Get your quote today, or speak to one of our experienced insurance advisors to find a policy that works for your business. The longer you leave it, the longer you put your business at risk.
Looking for another type of coverage? Explore our full range of insurance options including builders’ insurance products, mobile plant, equipment and machinery insurance, and professionals insurance products.
Frequently Asked Questions
What is Contractors All Risk Insurance?
This policy protects construction projects from risks like theft, fire, vandalism, storm damage, and accidents while work is underway. It covers materials, machinery, and structures under construction.
Who needs Contractors All Risk & Contract Works Insurance?
Builders, trades, contractors, and developers managing active construction sites or works in progress.
Does this insurance cover damage during construction?
Yes. Whether it’s weather-related, accidental, or malicious damage, this policy protects your work from unexpected losses.
Is this insurance mandatory?
While not always legally required, most clients and developers will expect builders to have appropriate insurance in place before work begins.
Are subcontractors covered under my policy?
Yes, policies can be extended to cover subcontractors and associated risks while working on your site.
How do I get a quote?
Getting a quote is quick and simple. Just submit a quote request online or call the CGIB team for tailored advice and a free, no-obligation consultation.
What is builders public liability insurance?
Builders public liability insurance protects you if your work causes injury to someone or damage to their property. It covers all the legal costs, compensation payouts, and other expenses that can appear if a third party makes a claim against you.
Why do builders need public liability insurance?
Construction sites are constantly moving, whether it’s machinery or materials. Accidents can happen even when safety standards are high. Public liability insurance gives builders financial protection so one incident doesn’t disrupt the entire project.
What does builder liability insurance usually cover?
It covers claims from third parties who suffer injury or property damage due to your building work. This can include damage caused by tools, equipment, machinery, or construction activity on the job site.
Is builders public liability insurance mandatory?
It isn’t legally required in every state, but many clients, councils, and developers demand proof of cover before allowing work to begin. Most builders see it as essential to protect their business and reputation.
Does builder liability insurance cover subcontractors?
It can. Some policies automatically extend cover to subcontractors, while others require them to hold their own insurance. CGIB can build a policy based on how your projects are structured.
Does it cover damage to my own work?
Public liability insurance is designed to cover third-party claims. If you want protection for your own work during construction, you’ll need Contract Works or Contractors All Risk Insurance, which can include public liability as part of the package.
Does public liability insurance cover tool or equipment damage?
No. Tools and equipment are generally covered under separate tool or equipment insurance. Public liability focuses on third-party injury or property damage caused by your business activities.
How do I make a liability claim if something happens onsite?
You contact CGIB with details about the incident. The team helps you lodge the claim, gathers the needed documents, and guides you through the process so the matter is resolved quickly and with minimal disruption.
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Providing you with great insurance products to protect what’s most important to you is a given. But we also believe in keeping you up to date with the day to day risks that businesses face. Check out our blog for the latest.
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Construction & Public Liability Insurance – Online Quote Forms
Construction & Public Liability Insurance – Annual vs Single Project Policies
When choosing construction insurance, you can take out either a:
- Single Project policy (ideal for owner-builders or subcontractors with occasional jobs) or an
- Annual policy (best for businesses handling multiple or ongoing projects).
An annual policy offers key advantages:
- Adjustable premiums based on actual turnover.
- Cost savings, with discounts and monthly payment options.
- Time efficiency, covering all projects under one policy.
- Continuous protection, even if no new projects are active.
- Products liability coverage, ensuring protection against future claims.
- Extended construction period options (18–24 months) to avoid costly extensions.
Overall, annual policies provide broader protection, flexibility, and peace of mind for busy construction businesses.
If you need assistance when deciding what the best cover is for you and your business, feel free to get in contact to discuss.
Annual Blanket Quote Form Single Project Quote FormExisting Clients renewing their Annual Policy please use
Annual Insurance Renewal Form