Potentially.

Contract Works Insurance can be available for owner-builder projects, subject to insurer appetite, project details and applicable state or territory requirements.

Not every insurer accepts owner-builder risks.

What information can the insurer require? #

This can include:

• Project address
• Description of the works
• Estimated project value
• Construction period
• Plans and approvals
• Owner-builder permits where applicable
• Licensed trades and subcontractors
• Previous construction experience
• Existing structures
• Whether the property will remain occupied during construction

Larger, more complex or unusual projects can require additional information.

What can the policy cover? #

Depending on the policy:

• Works under construction
• Materials
• Public Liability
• Existing structures where specifically arranged
• Materials in transit
• Off-site materials
• Plant or equipment where included

These additional covers should not be assumed to be automatically included.

Do Owner-Builder requirements differ between states? #

Yes.

Owner-builder permits, licensing rules and other construction requirements differ between Australian jurisdictions.

Contract Works Insurance is also separate from statutory schemes such as Building Indemnity, Domestic Building Insurance or Home Building Compensation Insurance.

Contact our team with the project details if you need Contract Works Insurance for an owner-builder project.