Construction & Trades
Understand the insurance obligations before work starts.
For builders, subcontractors, fit-out contractors and trades, contracts frequently set insurance obligations that need to be understood before a project begins, not after.
Situations we commonly see
- Contract requirements
- Public liability
- Contract works
- Tools and plant
- Defective work
- Subcontractors
- Height, depth and hot work
- Project aggregation
Insurance areas to consider
Suitability depends on individual circumstances — the categories below are a starting point for a conversation, not a recommendation.
- Public liability
- Contract works
- Tools and plant
Frequently asked questions
Is public liability enough?
Public liability addresses one type of exposure — contract works, tools and plant, and other risks often need separate consideration.
Who should be named?
Contracts often specify who needs to be named on a policy — this should be checked against the actual contract wording.
When does contract works start and end?
This is usually defined by the contract and the policy wording, and the two should be checked against each other.
What information changes underwriting appetite?
Project value, height/depth of work, subcontractor use and prior claims history can all affect insurer appetite.
Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. You should review the relevant policy documents and seek advice appropriate to your circumstances before making a decision.