Construction Workers Insurance

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Business Insurance for Construction Workers and Labourers*

Risks for construction workers and labourers are high. Potential hazards include injury due to falls, trench or scaffold collapse, repetitive motion injuries, damage to property and injuries arising out of failure to use personal protective equipment during work.

Many self employed construction workers and labourers are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Construction Workers and Labourers can access many BIG name insurers AND
industry specific underwriters here.*

Your QUESTIONS regarding
Construction Workers Business Insurance ANSWERED.*

The different types of insurance covers needed by construction workers & labourers are:

Public Liability insurance: Public liability insurance may cover damage to third party property, injuries caused to the public because of the activities of construction workers, the cost of unauthorized access, attractive nuisance, and liability for sub-contractors.

Product Liability insurance: Public liability insurance may compensate any loss arising from use of lower-quality products or materials, not following specifications or building codes and defective work.

Theft Insurance: Claims may arise due to theft of materials, tools and equipments.

Commercial Motor Insurance: Businesses dependent upon outfitted trucks and vehicles may need to cover the cost of theft or accidental damage to the vehicle as well as the tools and equipment stored in them

Machinery Breakdown Insurance: This cover may be required for compensating the cost of repair and replacements of tools or equipments positioned on site or taken to site.

Worker’s Compensation: There are significant hazards associated with construction work. Workers may receive injuries on site; work may prove highly strenuous and include lifting heavy objects, long hours of kneeling and stooping. Injuries sustained from such work can easily be compensated with the aid of worker’s compensation insurance.

Construction workers should also consider trailer insurance, ute insurance, van insurance and tools insurance.

Contract Works Insurance may cover risks faced by medium & large construction companies such as risk of fire, site security, damage to goods in transit to/from site, and use of mobile equipment, crane, hoist etc.

For more information on contract works insurance, please click here.

For more information or a quote on insurance for construction workers and labourers TALK to a SMART Business insurance broker on 1300 542 573 or contact us online.

Want guidance on Construction Workers Business Insurance Coverage?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.