Construction Workers Insurance

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Business Insurance for Construction Industry Professionals*

Workers & professionals in the construction industry require suitable liability and professional indemnity insurance that provides cover for professional indemnity and public liability risks related to the building design and construction industry.

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 Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

"Justin Crook is super fast and on the ball as an insurance agent for my small business. He was flexible and accommodating in his approach. Very happy with his deal for me. It’s smart to insure with SMART Business Insurance."

Business Insurance Policies for Construction Workers*

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.

Why do Construction industry professionals need liability and professional indemnity insurance?*

Construction industry professionals need liability and professional indemnity insurance to cover for business risks such as incorrect advice, legal claims against you for the provision of project management and failure to perform essential builder and building materials related checks.

Suitable liability and professional indemnity insurance may provide Construction industry professionals with cover for the following claims:

  • Civil Liability
  • Contractual Liabilities
  • Libel and Slander
  • Unintentional Infringement for Intellectual Property
  • Claims Preparation
  • Breach of Confidentiality
  • Public Liability
  • Claims Investigations Costs
  • Employee Dishonesty
  • Care, Custody and Control Extensions
  • Cross Liability
  • Indemnity to Others

Note that Construction industry professionals can be held liable for the advice or the services they perform that may cause financial loss to a third party. As a result Construction industry professionals need professional indemnity insurance.

Furthermore, Public Liability insurance is a core cover for all Australian businesses – including for Construction industry professionals – to cover you against damage to a third person or their property.

If you are a Construction industry professionals looking for business and professional indemnity insurance please call 1300 542 573 to TALK to a SMART business insurance broker about a suitable policy at an affordable cost for your business.

What type of Construction industry professionals need business and professional indemnity insurance?*

All construction industry professionals that charge a fee for advice or a service need business insurance and professional indemnity insurance.

For example, any construction industry professionals performing the following design and construct services need business insurance and professional indemnity insurance.

To talk to SMART business insurance broker about a suitable insurance policy for your Design and Construct business at an affordable price please contact us on 1300 542 573 or contact us online.

Construction Insurance Policies*

SMART construction insurance policies may cover:

Professional indemnity
Construction insurance all risk
Employers liability
Contract works / Contractors All Risks insurance
Environmental liability
Single project policies
Delay in start-up (DSU)
Latent defects

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How much does Construction industry insurance cost?*

The cost of insurance for construction industry participants  vary significantly based on types of insurance policies taken, insurance limits, your size, clients, experience and specific design and construct business activities.

Further, construction industry professionals working on large commercial projects, for councils and government typically represent greater risk; require greater limits and higher premiums.

For a construction industry professional indemnity and public liability insurance cost for your business TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online.

How do I get a Construction industry Professional Indemnity Insurance quote?*

Depending on the nature of your construction industry professional activities, the size of your projects, the size and type of clients you service and whether you are a sole trader, or employ staff or sub-contractors, different insurance companies and underwriters are likely to provide suitable and affordable cover.

For a suitable and affordable business and professional indemnity construction industry insurance quote TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online.

Why should a construction industry professional use an insurance broker?*

If you are a construction industry professional deciding on whether to use an insurance broker for your business and professional indemnity insurance it is important to consider that brokers act in the interests of the small business owner. Direct insurers and agents act for the insurer. This can be important especially if you need to claim.

Brokers can help construction industry professionals by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate , talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

  • We act for you – Construction industry professionals – not the insurance company
  • You’ll receive a competitive quote on a suitable policy
  • 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!