Construction Insurance

If you’re responsible for a jobsite, you want to make sure you’re covered for anything that might damage it. Ensure your project can keep moving forward with construction insurance.

What is Construction Insurance?

Construction insurance (also known as contract works insurance or contractors all risks insurance) is primarily taken by commercial, residential & owner-builders.

However, it is also commonly taken out by specialist contractors engaged on these projects who must take responsibility for their own works (e.g. HVAC installers).

Most businesses will elect to take an annual policy that covers any projects which commence during the policy period. For specialist, ad hoc or owner-builders a single project policy is available too.

construction insurance policy for commercial builds

What can be covered

What may not be

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How can we help?

Having a customisable construction works policy means that you can protect yourself from your most likely, or most devastating, potential risks.

Your needs likely change from project to project, so a truly tailored policy will help you ensure your materials, team and business are protected.

For every new business quote and renewal, we break down all important features and comparisons for you in plain English.

Construction claim example

Aaron is a roofing contractor engaged to replace the roof on his local church. One afternoon while working on the roof, he notices a large storm approaching.

Aaron secures the roof as best he can to try and protect the site. Unfortunately, the storm is too severe and causes damage to the work he’d done, as well as the materials on site.

Luckily Aaron had contract works insurance which paid for the replacement materials, and also Aaron’s fees while he redoes the work for the church.

The church is fortunate Aaron had more than liability insurance which wouldn’t have responded (he secured the work).  If Aaron didn’t have contract works, the church may have been stuck and unable to pay for the repairs themselves.

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Our Specialty

Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We'll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.

Great advice

As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.

Your partner

We manage your insurances so you don't have to — save precious time and effort.

clear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

Frequently Asked Questions

There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:

  • Work on your behalf to secure you better protection through their negotiating power
  • Help you understand your risks and empower you to make better life / business decisions
  • Ensure insurers are held accountable to their promise to protect what you value during claims
  • Save you time and money by taking care of comparing and customising policies for your needs

Construction insurance can cover many important parts of your project, such as:

  • Public liability
  • Smashed glass
  • Construction equipment
  • Escalation or removal fees
  • Natural disaster and weather perils

By covering you for possible events beyond your control, your project can move ahead in the face of the unfortunate.

What our Customers Say

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5.0 478 reviews

  • Avatar Natalie Smith ★★★★★ a week ago
    Aimee Spencer has been helpful above and beyond expectations. Her patient and responsive attention to my multiple requests has meant that my business insurance renewal has been processed easily and efficiently. Natalie … More Smith
  • Avatar Jen Gower ★★★★★ a week ago
    Jim was able to negotiate a much lower premium than my previous insurer (with better cover). His advice and communication was clear and straightforward. Highly recommend his service.
  • Avatar Roelie Schrijnders ★★★★★ a week ago
    We have dealt with Tracey on several occasions, and each and every time she has been such a pleasure to deal with. Always helpful, positive and everything provided in a timely manner. She follows up where needed and usefull … More without ever being pushy.
  • Avatar Parthesh Patel ★★★★★ 4 weeks ago
    I have been dealing with Debbie Blanco in Consolidated Insurance Brokers. She has always been very helpful with any query or questions. I would highly recommend her for excellent customer service, product & service knowledge, … More prompt in responding, great in communication, and always comes up with competitive insurance deals / prices.
  • Avatar Carmel Drake ★★★★★ a month ago
    Our business insurance has been handled by Consolidated Insurance Brokers for many years now. This year Aimee Spencer made our yearly renewal very easy with her guidance in our understanding of exactly what was covered and … More included with each Company's different Quotes. Appreciated .... thank you!

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