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Contract Works

Before commencing any residential, commercial or civic building works, it is imperative to ensure you have a contract works insurance policy in place.

A Contract Works policy is designed to assist registered builders, contractors and owner builders to meet their contractual obligations to insure a building project. It provides for accidental loss or damage during the construction period for loss resulting from things such as fire, flood, malicious damage and theft. 

The Contract Works policy can be extended to include cover for:

  • Existing buildings which do not part of the contract works
  • Constructional plant
  • Materials in transit/storage
  • Employees tools
  • Public Liability

This policy is designed to provide insurance cover as required under a construction contract.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions. 

Covered Features

  • Contract Works Contract | Project Value

    Contract | Project Value

    Sum insured required to rebuild the project from new if totally destroyed by an insured event.

  • Contract Works Existing Buildings | Structures

    Existing Buildings | Structures

    For renovations, already existing buildings need to be specified separately and noted with their own replacement value.

  • Contract Works Public Liability

    Public Liability

    Covers claims for negligence against the builder for damage to property or injury to persons on site.

  • Contract Works Plant & Equipment

    Plant & Equipment

    Covers the builder’s own equipment, these need to specified and covered with their own sum insured.

  • Contract Works Professional Fees

    Professional Fees

    Provides cover for fees incurred as part of a project such as architects, drafting services, surveyors etc.

  • Contract Works  Expediting Expenses

    Expediting Expenses

    In the event of a major claim, extra costs (such as overtime, express freight, etc) may be incurred in fast tracking repairs or replacement of a damaged or destroyed item.

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