Builder insurance built on transparency, not sales tactics
Residential builds, commercial projects, renovations — independent guides on every policy a builder needs. Real costs, real exclusions, real advice.
Why we built this
Most insurance content for builders and construction contractors is written by insurers selling you a policy or comparison sites chasing a commission. We wanted something different — guides written from the perspective of someone who's actually read the Product Disclosure Statements.
Every guide on this site is researched independently. We reference real premium ranges, real policy wording, and real state licensing requirements — not marketing brochures.
All guides
BizPack for Builders: Bundle or Buy Separate?
BizPack bundles public liability, professional indemnity, and more into one policy. But is it the right call for Australian builders in 2026, or are standalone policies better value?
Read guide →Builder Insurance Requirements by State: NSW, VIC, QLD & Beyond
Every state sets different insurance rules for builders. A practical breakdown of licensing and mandatory insurance requirements across NSW, VIC, QLD, WA, SA, TAS, ACT, and NT.
Read guide →Construction Site Safety & Insurance: How Your Safety Record Affects Premiums
Your construction safety record directly impacts what you pay for insurance. Learn how insurers assess site safety and the practical steps to lower your premiums.
Read guide →Contract Works Insurance: What Builders Need to Know
Your 2026 guide to contract works insurance for Australian builders — what it covers, what it excludes, how to calculate the sum insured, and common claims scenarios on site.
Read guide →Home Warranty Insurance: Your Obligations as a Builder
Home warranty insurance is mandatory for Australian residential builders. Learn state-by-state thresholds, scheme names, certificate requirements, costs, and what happens if you skip it in 2026.
Read guide →How Much Does Builder Insurance Cost in Australia?
Real 2026 cost ranges for builder insurance in Australia — public liability, contract works, professional indemnity, tools, and workers comp. What drives premiums and how to budget.
Read guide →How to Compare Builder Insurance Quotes: A Practical Guide
Comparing builder insurance quotes isn't about finding the cheapest price. Learn how to assess excesses, sub-limits, exclusions, and policy conditions to choose cover that actually protects you.
Read guide →Professional Indemnity for Builders: When Is It Required?
Your 2026 guide to professional indemnity insurance for Australian builders — when you must have it, what it actually covers, state requirements, and the scenarios that catch builders out.
Read guide →Public Liability Insurance for Builders: Complete 2026 Guide
Your 2026 guide to public liability insurance for Australian builders — state requirements, what's covered on residential and commercial sites, real cost ranges, and how to avoid gaps in your cover.
Read guide →Subcontractor vs Head Contractor: Insurance Responsibilities
Who covers what on Australian construction sites? A practical breakdown of insurance responsibilities for head contractors and subcontractors, plus how to protect yourself when things go wrong.
Read guide →Tools & Equipment Insurance for Builders
Your tools are your livelihood. Here's what tools and equipment insurance actually covers for Australian builders in 2026 — portable gear, fixed plant, theft exclusions, and how to get the sum insured right.
Read guide →Workers Comp for Building Companies: State-by-State Guide 2026
Everything Australian building companies need to know about workers compensation insurance — state scheme rules, multi-trade site obligations, and how to get covered.
Read guide →Ready to compare quotes?
Get public liability, professional indemnity, tools cover and more — compared across 20+ Australian insurers in about 10 minutes.
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