Trade & Construction Insurance

The construction industry presents risks that few other sectors face. From working at heights and operating heavy machinery to managing multiple subcontractors and delivering projects worth hundreds of thousands of dollars - the potential for things to go wrong is ever-present.

A workplace injury, property damage, faulty workmanship claim or project dispute can have serious financial consequences. Without appropriate cover, a single incident could threaten your business, your reputation and your ability to continue working.

The right insurance doesn't just protect against the worst-case scenario - it gives you the confidence to take on projects, employ staff and grow your business knowing you have a safety net in place.

Public liability insurance is fundamental for anyone working in construction. It protects against claims arising from injury to third parties or damage to property as a result of your work. Products liability extends this to cover issues arising from products you've supplied or installed.

Depending on your policy, coverage may extend to a range of ATO activities including general compliance audits, employer obligation reviews, GST verification, income tax reviews and more. Some policies also cover investigations initiated by state revenue offices, such as payroll tax or land tax audits.

Your tools are essential to your trade. Whether they're stolen from your vehicle, damaged on site or lost in transit, tools and equipment cover ensures you can replace them and get back to work quickly.

If your work involves design, specification or professional advice, professional indemnity insurance protects against claims arising from errors, omissions or negligent advice that causes financial loss to a client.

If you employ staff, workers compensation insurance is a legal requirement in most Australian states and territories. It covers medical expenses, rehabilitation and income support for employees injured at work.