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Building Indemnity Insurance

Building Indemnity Insurance (BII) is mandatory in SA for domestic building work. Learn when it applies, who must obtain it, and what builders must do before work begins.
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Building Indemnity Insurance (BII) is mandatory for most domestic building work in South Australia, and builders must have a policy in place before any work starts. With changes to thresholds coming into effect and increased enforcement, it’s critical that builders understand when BII applies and what must be provided to homeowners and councils.

BII protects the homeowner if a project fails or is abandoned due to insolvency, death, or disappearance of the builder. It also covers losses from defective work for up to five years. Contract values, chattels, council approvals and project type all influence whether insurance is required. Getting this wrong can mean delays, rejected permits or serious penalties.

Our full guide explains when BII is needed, what insurers cover, how statutory warranties apply, exemptions, claim limits, and how modular or prefabricated homes are treated. If you want clarity before signing contracts or starting work, access the article and stay fully compliant.

Access this resource now

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Non-Member price

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Member price

FREE

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Didn’t find what you were looking for?

Who is it for?

Building Professionals

Residential building industry professionals in South Australia.

What does it include?

  • When do you need BII? 
  • What does BII cover?  
  • What are statutory warranties? 
  • How long does the insurance last? 
  • How much can homeowners claim? 
  • What type of work does not require BII? 
  • Prefabricated and modular homes 
  • Who arranges BII?

Become a HIA member today

Join Australia’s largest residential building association to gain access to a huge range of industry products and business services. We can help you manage, operate and grow your business.