Construction Contractors can face exposures involving physical works, third-party liability, design, plant, vehicles, subcontractors and contractual obligations. The appropriate insurance program depends on what the contractor actually does.

Which insurance may be relevant? #

Depending on the business:

• Public Liability Insurance.
• Contract Works Insurance.
• Plant and Equipment Insurance.
• Commercial Motor Insurance.
• Tools and portable equipment cover.
• Design and Construct Professional Indemnity Insurance.
• Management Liability and Cyber Insurance.
• Workers Compensation where required.

Domestic building or home warranty insurance may also apply to certain residential work, depending on the state or territory and project.

Does every contractor need every policy? #

No. Relevant factors include the type of construction, project values, principal or subcontractor status, design responsibility, plant ownership, employees, subcontractors and contract requirements.

Why are contracts important? #

Construction contracts can specify policy types, limits, insured parties, project periods and responsibility for arranging cover.

Insurance obligations should be checked before signing or starting work.

What if the contractor performs several activities? #

Tell Webber Insurance about the complete scope, including demolition, excavation, work at height, hazardous activities, design and work at specialist sites.

Insurer appetite can differ significantly between activities. An incomplete description can result in unsuitable terms or uninsured exposures.