Insurance for Builders

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Insurance Designed for Builders Across Australia

Builders face a range of risks daily, from accidents on-site to potential disputes with clients. Protecting your livelihood with builder insurance ensures you’re prepared for any challenge that comes your way.

Why Builders Need Insurance

The construction industry is unpredictable. From damaged tools to liability claims, having robust insurance coverage can save your business from financial setbacks and give you confidence to take on new projects.

Key Features of Builder Insurance

A comprehensive builder insurance policy may include:

Public Liability Insurance: Covers claims for injury or damage caused to third parties.
Contract Works Insurance: Protects projects under construction against loss or damage.
Tools and Equipment Cover: Ensures your tools are covered if they’re lost, stolen, or damaged.
Income Protection Insurance: Offers financial security if you’re unable to work due to illness or injury.

Why Choose All Star Brokers for Builder Insurance?

At All Star Brokers, we provide tailored builder insurance solutions to meet the unique needs of your trade. Our team ensures you’re covered at every stage, whether you’re working on residential, commercial, or industrial projects.

Essential Insurance Coverage for Builders

Building projects involve numerous risks, from property damage and liability claims to worker injuries. To safeguard your business from these potential setbacks, it’s crucial to have comprehensive insurance coverage.

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What Does Business Insurance Cover

Our Business Insurance Package includes:

Property Damage : Covers repair or replacement of property damaged by fire, storm, malicious damage, and more. Flood cover can also be included.
Business Interruption: Protects against loss of trading profit and additional costs due to insured property damage. Coverage includes events like damage to supplier/customer premises, utility failures, and cyber incidents.
Theft: Covers repair or replacement of stolen property, excluding money, due to forcible entry or concealed persons on the premises.
Money: Provides coverage for theft or loss of money at the business, in transit, or at a private residence.
Public or Products Liability: Covers compensation for third-party personal injury or property damage arising from business activities, including defense costs.
Glass: Covers replacement of broken glass, including shopfront windows, mirrors, and display cases.

Transit: Covers stock in transit by road, air, or sea.
Electronic Equipment Breakdown: Covers repair or replacement of electronic equipment and machinery with significant electronic components.
Machinery Breakdown: Cover for costs associated with machinery breakdown.
General Property: Covers tools of trade, laptops, and other portable items used in business, with coverage throughout Australia.
Tax Audit: Covers additional accountancy fees due to regulatory audits from authorities like the ATO or ACCC.
Employee Dishonesty: Covers financial loss due to dishonest or fraudulent employee conduct.

What usually isn’t covered?

While Business insurance offers comprehensive protection, it’s essential to recognize its limitations. Certain risks may not be covered by standard policies. These typically include:

Intentional Damage: Deliberate acts of vandalism or sabotage are generally not covered.
Wear and Tear: Normal wear and tear on equipment or property is not insurable.
Employee Dishonesty: Losses caused by employee theft or fraud are often excluded.
Acts of War: Damage resulting from war, terrorism, or nuclear events may not be covered.
Certain Natural Disasters: In some cases, specific natural disasters, like earthquakes or tsunamis, may have limitations or exclusions.

Insurance for Builders FAQ's

Have questions about insurance for builders? Find answers to common questions here.

What exactly does an Insurance Broker do?

Insurance brokers act as intermediaries between individuals or businesses seeking insurance coverage and insurance companies. They assess clients’ needs, shop around for suitable policies, negotiate terms, and provide advice on risk management.

Why should I hire an Insurance Broker instead of buying insurance directly from an insurer?

Insurance brokers offer personalised advice and access to a wide range of insurance products from multiple insurers. They can help you understand complex insurance policies, tailor coverage to your specific needs, and advocate on your behalf in the event of a claim.

How do Insurance Brokers get paid?

Insurance brokers typically earn commissions from insurance companies for policies sold or serviced. However, they should disclose their commission structure transparently to clients. In some cases, brokers may charge a fee for their services, which should also be clearly communicated upfront.

How do I choose the right Insurance Broker for my needs?

When selecting an insurance broker, consider factors such as their experience, reputation, industry knowledge, range of services offered, and whether they specialise in the type of insurance you require. It’s also important to feel comfortable communicating with your broker and trust their advice.

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