Builders are exposed to a range of risks throughout a construction project, and claims can occur even when work is well planned and managed. Many claims arise from unexpected events, site access issues, subcontractor activity, or disputes that develop during the build process.

Common claims experienced by builders include:

• Storm, fire, or weather-related damage to works in progress
• Injury to visitors, neighbours, or members of the public entering the site
• Property damage caused by machinery, equipment, or subcontractor activities
• Theft of tools, materials, or equipment left on site, including vandalism
• Regulatory investigations or legal action following a workplace incident
• Client disputes relating to delays, variations, or changes in project scope

Many of these risks are specific to active construction sites and are not covered by standard business insurance. For builders, Contract Works Insurance is a key policy that protects against damage to works in progress, materials, and certain on-site risks during construction. Other policies may also apply depending on the nature of the claim.

These incidents can involve multiple parties, including clients, subcontractors, neighbours, and regulators, thereby increasing complexity and cost. Even where contracts, safety plans, and site controls are in place, disputes and claims can still arise.

Understanding how builder-specific risks arise and which types of insurance respond to them is an important part of protecting your business.

If you would like help reviewing your risks or understanding how Contract Works Insurance and other covers apply to your projects, contact the Webber Insurance team. We can help ensure your insurance aligns with your work.