Insurance Built for the Risks Behind Every Build
Construction and building insurance is purpose-built protection for builders, trades, and construction businesses. It covers the structure you're building, the tools and materials on site, your workers, and the third-party damage or injury claims that can surface at any stage of a project.
As Sydney's leading business insurance brokers, CIG does the heavy lifting for you. We compare policies across Australia's major insurers to find cover that matches your business with no gaps. Partner with CIG’s insurance brokers and lock into the right protection today.
Construction insurance is a group of policies designed to protect people working in the building and construction industry against financial loss from property damage, liability claims, and project delays. A typical policy combines material damage cover, protecting the structure and materials during the build, with public liability protection for injuries or damage to third parties on or around the site.
Covers physical loss or damage to the building works during a project, including materials on site and in transit.
Protection against third-party injury or property damage claims on or near the work site.
Cover for tools, machinery, and equipment used on site against theft, accidental damage, or breakdown.
Required in most states for residential builders. Protects homeowners if the builder cannot complete or rectify defective work.
Covers legal costs arising from contract disputes or regulatory action.
If you work in the construction industry, standard business insurance rarely covers the full scope of what can go wrong on a building site. You need cover built specifically for the risks that come with active construction, from structural damage mid-build to injuries involving workers and the public. Most contract principals and head contractors will require proof of insurance before you set foot on site. Below are the core construction businesses we help protect at CIG every day:
Whether you're running a two-person trade business or managing multi-site commercial projects, the right construction insurance keeps you compliant, competitive, and covered.
We start by understanding how your business operates. From residential builders managing multiple projects to commercial contractors handling large-scale developments, we assess your worksites, equipment, employees, subcontractors, contracts and potential exposures.
We take your risk profile to the market and compare construction and building insurance options from Australia's leading insurers and specialist underwriters. We break down your coverage, exclusions, limits and costs so you can make an informed decision.
Every construction business faces different risks. We tailor your sums insured, liability limits, contract works cover and other policy conditions around the projects you undertake, helping prevent costly gaps or unnecessary cover.
Unlike traditional brokers, we don't disappear once the policy is placed. When something goes wrong, we advocate for you through the claim, and as your business grows, we adjust your protection to keep pace.
Ready to get started? Get in touch with a CIG broker today.
You’ve got questions about protecting your business. We have the expert answers.
Construction insurance is a set of policies that protect builders, contractors, and trades against financial loss from property damage, liability claims, and project delays during building work.
It typically covers the building works, materials on site, public liability, tools and equipment, and legal expenses. Home warranty cover may also be included for residential builders.
Cover levels depend on project value, contract requirements, and the trades involved. A broker can assess your exposure and recommend appropriate limits.
A single policy suits one-off projects. An annual policy is more cost-effective for builders running multiple jobs throughout the year.
Common exclusions include wear and tear, faulty workmanship (the cost to redo the work itself), pre-existing damage, and events not listed in the policy schedule.
CIG is part of the Steadfast Network, which means clients get access to broader policy wordings and products you won’t find on retail comparison sites. More importantly, we back clients not just at policy setup but through claims, renewals, and those moments where you need to focus on growing your business. Whether you require a detailed assessment of your current cover or clear, informed guidance on your insurance needs, our team is ready to support you.
Keep your business moving, no matter what happens on the job.
Your projects, property, equipment and crew keep your business moving. A damaged building, workplace accident, property loss or liability claim can quickly turn into costly delays and disruption.
Speak to an experienced CIG insurance broker today and lock in the right cover for your business.
