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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  • Avatar Mr J ★★★★★ a week ago
    Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been.Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of.Being our first commercial … More property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance.To my amazement, Natasha also offered all these options in under an hour, which I found stunning!The lost art of PR and courtesy is alive and well here.Thank you SO much for being you !Jay, Adelaide SA
  • Avatar Kymberlei Goodacre ★★★★★ a week ago
    I found Tracey communicative, efficient and friendly. The quotes received were competitive and the material provided easy to read and understand. My email queries were answered responsively with the information I sought. … More For a busy professionals looking for insurance - these are the brokers I recommend.
  • Avatar Melissa Park ★★★★★ 2 weeks ago
    Karen has been handling our business insurance for past few years and has always been a pleasure to deal with. She is professional and always manages my queries and requests in a timely manner. I would definitely recommend … More her and CIB.
  • Avatar naran patel ★★★★★ 3 weeks ago
    Great customer service from Natasha Nielsen 5/5. She explained the ins and outs for my landlord insurance that allowed me to go for the most prudent package. I wished I heard about this firm earlier.Any future insurance deals/renewals … More I will giving them a call first!
  • Avatar Susan Vlack ★★★★★ 3 weeks ago
    Standard insurance packages did not cover my business needs, leaving me vulnerable. Debbie quickly sorted it out and provided good options. Highly recommended. Big Thankyou, Debbie!

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