Builders Insurance
Insurance built around the way builders actually carry risk.
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We understand how builders carry risk across every stage of a project.
Construction
Specialists
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Decades on insurance expertise in construction sector.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your trade, projects, equipment, and business.
Tailored
Cover
As a builder, you carry risk across every stage of the project, from site preparation and managing trades to coordinating materials and completing the work. A single incident can damage property, delay a project, or leave you facing a costly claim. From site accidents and stolen tools to damaged materials and defective workmanship, the right insurance program helps protect your business when things don't go to plan.
Ferguson Brown specialises in the construction, property and development sectors, so we understand how building risks can change from one project to the next. Whether you work on residential builds, renovations, commercial projects or as a subcontractor, we can help structure cover around the work you actually do.
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Site
accidents
The risk builders face everyday:
Tools theft or loss
Contract
liabilities
Subcontractor
risks
Storm & fire
damages
Injuries to workers, subcontractors or visitors on your site can lead to costly claims.
Materials, tools and equipment can be damaged, stolen or lost before a project is completed.
Contract obligations can expose builders to financial loss when something goes wrong during a project.
Subcontractor work can create additional liability when accidents, damage or defects occur on site.
Severe weather, fire and other unexpected events can damage works, materials and equipment.
1. Contractor License
Licensing requirements vary by state and territory, depending on the type and value of building work you undertake.
Common requirements for builders:
2. Home Building Compensation (HBC)
Home warranty or domestic building insurance requirements vary by state and territory and may apply to eligible residential building work.
3. Workers' Compensation
Workers' compensation requirements depend on your state or territory and whether you employ workers or engage contractors.
Other insurance options for builders:
Public & Products
Liability
For third-party injury or property damage arising from your work on and around the site. Usually the first cover principals and head contractors ask you to hold.
Contract
Works
Protects the works under construction, materials, and often tools and plant on site, against damage, theft, fire and weather before the project is handed over.
Professional
Indemnity
Essential if you take on design-and-construct work or give advice, where liability can attach to the design as well as the build.
Home Building
Compensation
The statutory residential cover described above. Talk to us before you contract so eligibility doesn't hold up your start date.
Learn more
Workers
Compensation
For third-party injury or property damage arising from your work on and around the site. Usually the first cover principals and head contractors ask you to hold.
Motor
Vehicle
Protects the works under construction, materials, and often tools and plant on site, against damage, theft, fire and weather before the project is handed over.
Management
Liability
Essential if you take on design-and-construct work or give advice, where liability can attach to the design as well as the build.
Cyber
Protection
The statutory residential cover described above. Talk to us before you contract so eligibility doesn't hold up your start date.