Failing to arrange Building Indemnity Insurance when it is required can prevent eligible South Australian domestic building work from proceeding correctly and leave the homeowner without the required statutory protection.

Building Indemnity Insurance is generally required where domestic building work:

• Requires development approval
• Is valued at $20,000 or more

What problems can arise? #

Depending on the circumstances, failing to arrange the required insurance can result in:

• Delays to the project or approval process
• Breaches of statutory or licensing requirements
• Contractual disputes
• Regulatory or disciplinary consequences
• Difficulties involving payment or project documentation
• The homeowner not receiving the required statutory protection

The required Certificate of Insurance should be in place before eligible building work commences.

Does builder eligibility automatically insure the job? #

No.

Building Indemnity eligibility allows the contractor to apply for cover, but it does not automatically insure every project.

A separate job-specific certificate must be issued for each eligible project.

Contact our team before commencing work if you are unsure whether a certificate is required.