Public liability, contract works and professional indemnity cover options for registered builders and building companies across Australia. Talk to a specialist trade broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Running a building company means carrying risk across an entire project, not just your own trade: subcontractor coordination, structural integrity, and the client relationship from contract to handover. Whether you’re a licensed builder managing new homes, renovations or commercial fit-outs, Sol Insurance Brokers can help you explore cover options that reflect the risk you actually carry.
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Is designed to help protect you against claims for third-party injury or property damage arising from your building work, including damage caused by structural defects or subcontractor negligence, subject to policy terms.
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Relevant where you provide design, certification or advisory services as part of a design-and-construct arrangement, particularly where an error could result in financial loss.
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Cover for site tools, power equipment and mobile plant against risks such as theft, loss or accidental damage, subject to policy terms.
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Cover for utes, trucks and site vehicles, including trade fit-outs and permanently attached equipment where applicable.
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Protection for the build in progress against insured events such as theft, fire, storm and accidental damage, from foundations through to handover, subject to policy terms.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Structural defects or non-compliant work discovered during or after construction
Injury risks on multi-trade sites involving subcontractors and other contractors
Managing subcontractor insurance requirements and head contractor obligations
Delays or damage to work in progress from weather, theft or vandalism
Disputes over defects, delays or contract variations with clients
Liability for design or specification decisions on design-and-construct projects
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Subcontracted work can generally be considered when structuring your cover, but subcontractors are usually expected to hold their own insurance. Let us know your typical site arrangements and we can help you explore options that reflect this.
Contract works can help protect a build in progress against insured events such as theft, fire and storm, which is often relevant when you’re responsible for a structure that isn’t yet complete or handed over, subject to policy terms.
Public and products liability can respond to claims for property damage arising from your work, including damage that becomes apparent after handover, subject to policy terms and conditions.
It may still be relevant if you’re involved in specification decisions, sign off on variations, or work under a design-and-construct arrangement. We can help you look at whether it fits your role on a project.
Tools, equipment and plant cover can include theft and accidental damage, often including equipment kept securely on-site or in a locked vehicle. Conditions such as security requirements may apply, so it’s worth checking policy wording.
Yes, home warranty insurance is a separate, often compulsory statutory cover for residential building work in some states. Trade insurance covers your liability, tools and contract works risk; we can help you understand how the two fit together.
Tell us a bit about your business and one of our brokers will be in touch.
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