Yes, owner-builders can usually obtain Contract Works Insurance, but this depends on the insurer and the type of project.

Most insurers will ask for:

• A valid owner builder permit or licence
• Approved council plans or building permits
• A clear project value and timeline
• Details about subcontractors (if used)

Not all insurers cover owner-builder projects, and some may have exclusions or limits. Coverage typically includes the structure under construction and materials on-site, but does not always extend to tools or liability unless specifically included.

If you’re unsure whether your project qualifies, please get in touch with us today..