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Construction Insurance

Construction Insurance, also known as Contract Works Insurance, provides cover for the registered builder, contractor or owner builder against damage to the building works during the construction period.

The policy provides cover for events such as fire, storm, malicious damage and theft from the site.

Cover can also be extended to include cover not limited to:

  • Public Liability
  • Contractors plant & equipment
  • Existing buildings
  • Material in transit/storage

Insurance can be arranged for specific projects under a single projects policy or as an annual projects policy covering all projects under a run-off or turnover basis.

The Annual policy can be written on a ‘Turnover’ or ‘Run-Off’ basis and care needs to be taken with your annual declaration to ensure no gaps in coverage.

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Turnover, also known as ‘Transfer’, will cover the all projects undertaken during the policy period, and insured until the policy period ends.

You pay for the portion of project declared completed in the policy period.

Insurers may agree to cover projects commenced prior to the inception of the policy


Run-Off will cover any contract commencing during the policy period through to completion of the project

even if the completion date is after the period of insurance has finished.

You pay based on the whole project value.

No cover is offered for projects commenced prior to the inception of the policy.

Prior to commencing any residential, commercial or civic building works, ensure you have a construction insurance policy in place.

Mobile Plant & Equipment

Plant & Equipment Cover, sometimes referred to a Contractors Plant provides protection for mobile and fixed plant & equipment.

Cover can combine material damage, road risk liability & public liability, and can insure a single item of an owner operator to a large fleet of plant.

As with most types of insurance, different policies include different automatic inclusions and optional extensions, including breakdown cover and consequential loss (loss of income due to damage of equipment).

This cover is aimed at industries who own, operate, hire or supply plant & equipment for use in Construction, Infrastructure, Mining and Energy and other industries.

Plant & Equipment insurance can provide cover for a range of items including but not limited to:

  • Bobcats
  • Cranes - fixed & mobile
  • Concreting equipment
  • Earthmoving equipment
  • Excavators
  • Forklifts
  • Farming machinery
  • Lifting equipment