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{{propApi.successMessage}} {{region}} Change locationConstruction Works Insurance
Construction Works Insurance
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Construction Works – also known as Contract Works – covers builders, tradies and subcontractors’ responsibilities to insure against loss or damage to their build, as well as their legal and contractual obligations in relation to the contracted works.
We understand the risks and challenges builders, tradies and subcontractors face on and off site every day. Providing customers with insurance coverage at a competitive price, and taking the hard work out of protecting your works, is at the core of HIA Insurance Services.
Why might I need Construction Works Insurance?
If you are involved in a construction project, whether as a property owner, contractor, or subcontractor, you may need Construction Works Insurance to protect yourself and your assets from potential losses or damages that may arise during the course of the project.
Here are some reasons why you might need Construction Works Insurance:
Protection against property damage
Construction Works Insurance can provide coverage for damage to the construction site, materials, and equipment used during the project.
Protection against third-party claims
Construction Works Insurance can also provide coverage for third-party claims, including bodily injury or property damage caused by the construction project. This can include claims by neighbouring properties, pedestrians, or other stakeholders who may be affected by the construction work.
Legal and contractual requirements
In some cases, Construction Works Insurance may be required by law or contract. For example, in New South Wales, the Home Building Act 1989 requires builders and contractors to hold specific types of insurance, such as home warranty insurance and public liability insurance.
Peace of mind
Construction projects can be complex and involve many different stakeholders, which can increase the risk of potential losses or damages. Having Construction Works insurance can provide peace of mind and financial protection against unexpected events.
What are other benefits of construction/contract works insurance?
Flexibility
Contract Works Insurance policies can be tailored to meet the specific needs of the construction project, with coverage options available for different types of projects, contract values, and durations. This flexibility allows you to choose the coverage that best suits your needs and budget.
Cost savings
Contract Works Insurance can help you avoid costly repairs or replacement costs resulting from loss or damage to the construction project. This can result in significant cost savings for parties involved in the project.
Legal compliance
In some cases, Contract Works Insurance may be required by law or contract. For example, in New South Wales, the Home Building Act 1989 requires builders and contractors to hold specific types of insurance, such as home warranty insurance and public liability insurance.
Improved risk management
By having Contract Works Insurance in place, parties involved in the construction project can better manage their risks and minimise the impact of potential losses or damages. This can include implementing risk mitigation measures and ensuring that proper safety protocols are in place.
What else can I cover?
In addition to standard Construction Works insurance coverage, there are several additional coverage options that you may consider for added protection for your business. This may include, but not limited to:
- Professional Indemnity Insurance
- Commercial Motor Insurance
- Cyber Insurance
- Tools and Equipment Insurance.
Visit HIA Insurance Services to learn more and get a quote today.
© 2026 HIA Insurance Services Pty Ltd ABN 84 076 460 967 (HIAIS) as an authorised representative (No. 275925 of Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon).
Construction Works Insurance for the Building and Construction Industry is arranged by HIAIS under a binder agreement on behalf of QBE Insurance (Australia) Ltd (ABN 78 003 191 035, AFSL 239545). When acting under a binder we will be acting as agent of QBE Insurance Australia Ltd, and not as your agent. Our binder arrangements with QBE Insurance (Australia) Ltd are such that we remain your agent in the handling of any claim. If you purchase this insurance, HIAIS will receive a commission that is a percentage of the premium. Further information can be found in our FSG or provided upon request.
The information contained in this website is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as the relevant Product Disclosure Statement (if applicable), Target Market Determination and full policy terms and conditions available from HIAIS on request. All representations in this communication in relation to the insurance products HIAIS arranges are subject to the full terms and conditions of the relevant policy. Please contact HIAIS if you have any queries.
HIA Insurance Services
Contact us
If you are an existing HIAIS customer looking for help or a new customer looking for a quote, you can contact the HIAIS team:
- Visit: hiainsurance.com.au
- Call us: 1800 762 878
- Email us: au.hiais@aon.com