South Australian Building Indemnity Insurance can provide protection for defective work for up to five years from completion of the building work.

The insurance is attached to the property, so if the property is sold during that period, the remaining protection can continue for a subsequent owner.

When can the policy respond? #

Subject to the policy terms, Building Indemnity Insurance can protect the homeowner where the building contractor:

• Dies
• Disappears
• Becomes insolvent

It can contribute towards eligible losses involving:

• Completion of unfinished work
• Rectification of defective work

Building Indemnity Insurance is not a general defects policy that responds simply because a dispute arises with a builder.

What is the current policy limit? #

The applicable limit depends on the insurer and when the policy was issued.

For QBE Building Indemnity Insurance policies issued from 1 October 2025, the policy limit is $250,000.

Earlier QBE policies retain the limit applicable when they were issued.

Webber Insurance’s South Australian Building Indemnity facility is processed through QBE.

Contact our team if you need assistance locating or understanding a Building Indemnity certificate.