Contract Works Insurance
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What is the difference between Contract Works & Public Liability
Last Updated: June 10, 2025Contract Works Insurance protects the actual building or renovation project while it’s in progress. If the job site is damaged by a storm, fire, theft, or vandalism, this policy helps pay for the repair or rebuilding of the work. Public Liability Insurance doesn’t cover the work itself; it covers injury or damage to third parties that may occur during the job. For example, if a client trips on site or you accidentally damage a neighbouring property. For builders and contractors, both covers are usually essential. Public Liability takes care of third-party risks, while Contract Works protects the project you’re working on. See below for a visual overview of the differences in cover:
What is Contract Works Insurance
Last Updated: June 4, 2025Contract Works Insurance covers construction projects during their progress. It’s designed for builders, tradies, and property owners to protect against damage to the works caused by fire, weather events, vandalism, or theft during construction. You can opt for a one-off policy for a specific job or an annual policy that covers multiple jobs throughout the year. The policy can also include: Materials stored onsite, Tools, Plant & equipment Customer-supplied goods Public Liability cover can also be incorporated into a Contract Works Insurance policy and is generally referred to as Section 2 cover. This cover is usually required under building contracts or by project principals and lenders. Without it, you may be left out of pocket if something goes wrong before handover occurs. If you need assistance, please contact our team.