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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.

Takes 10 minutes Compare 20+ insurers No lock-in contracts

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

11 June 2026 ·14 min read

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?

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read Featured

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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11 June 2026 ·14 min read

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.

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