Frequently Asked Questions

No. We’re an insurance intermediary (broker). We can act on your behalf — sourcing quotes, negotiating terms, and placing cover with licensed insurers.

Specialist cover is sometimes only offered by a small handful of insurers in Australia. We’ll approach relevant markets on your behalf, and if you would like any more options to consider please don't hesitate to let us know. Many of these insurers work exclusively through brokers like us.

Completing our online quote form is the quickest path to pricing. If anything’s unclear, let us know and we’ll talk you through it. Give complete, detailed answers to every question; the more context we have, the faster we can get you a quote.

For straightforward applications, we can usually provide options right away during business hours. More complex projects may require follow-up questions and additional underwriting review, in which case the quote is typically available within one business day.

To proceed, either email us confirming you wish to accept, or complete payment through the secure link we provide. Cover begins only once the insurer issues formal confirmation, including a certificate of insurance.

Once cover is confirmed, the certificate of currency is generated promptly — usually sent to your email within 15 minutes to an hour. In occasional cases that require manual checks, it may take more time.

Some policies include a cooling-off period — typically 14 to 21 days from the policy start date — during which you can cancel and receive a full refund, provided no claims have been lodged. Just let us know in writing within that window and we’ll arrange the cancellation and refund from the insurer. After the cooling-off period, standard cancellation terms and any applicable fees will apply.

Once cover is bound, certificates are typically issued the same day.

Requirements vary by state and by your council, lender, and permit conditions. Public liability is commonly required before works start, and material damage cover protects your own investment in the build. We can talk you through what applies to your project.

Tell us in the form. Some insurers will still quote a project that is underway, though options narrow and site condition matters. The earlier you get cover in place, the better.

Not automatically. Existing structure cover is a separate section we can arrange alongside the works cover. Flag it in the form and we will include it in your options.

Project address, estimated project value, the type of works, and whether works have started. The form takes about a minute.

Contract works covers damage to the thing you are building: the works, materials on site and in transit, and temporary works. Public liability covers your legal liability when your work injures someone or damages property belonging to someone else. They are different sections and most construction contracts require both.

If you run several jobs at once, an annual program is usually simpler and cheaper than insuring each one. A single project policy suits a one-off build, a joint venture, or a contract that requires cover in a particular name. We place both and will tell you which fits.

It can, and most contracts require it. Defects liability cover is a separate extension with its own period, commonly 12 months from practical completion.

Yes. Principals, developers, financiers and joint venture partners can be noted or named on the policy where the contract requires it. Send us the contract clause and we will make sure the wording matches it before the certificate is issued.

Your contract or the principal usually specifies it. Twenty million is the most common limit, although lower limits are sometimes selected. Limits above twenty million are sometimes required for civil and infrastructure projects.

Your liability policy generally responds to work performed on your behalf, but the detail matters, and subcontractors should carry their own cover. The split between employees, subcontractors and labour hire also affects your rating, so it is worth getting right at placement.

Please notify us as soon as any material change occurs — e.g., higher project value, extended timeline, or added complexity. We’ll update the insurer and confirm whether an adjustment is needed. If the change increases the risk or sum insured, the insurer may require an additional premium (and possibly revised terms) before the policy continues to apply.

Yes. Lenders and other stakeholders often ask for an updated certificate of currency, and we can issue one on request. Just let us know the policy number and any specifics the bank requires; in most cases we can email the new certificate the same day.

Most policies contain a Cessation or Abandonment exclusion: once work has been inactive for more than a set number of consecutive days (typically 30), any loss that occurs during that idle period is excluded, and all cover stops altogether if the project is deemed abandoned. If you expect a shutdown to run past that 30-day window, contact us before it happens. We can approach the insurer to seek an extension or special conditions. If the insurer agrees, it may be with an additional premium or revised terms.

Just let us know — email us with your policy number and the requested cancellation date. After the cooling-off period, insurers generally keep the premium paid, but we’ll liaise with them to see if any refund or partial credit can be negotiated on a case-by-case basis.

Insurers often expect you to act as a "prudent uninsured"—that means taking reasonable steps to minimise loss, protect people and property, and preserve evidence, just as you would if you had no insurance to fall back on. Make the site safe and limit further loss. Take any reasonable steps to protect people and property—emergency repairs, securing the area, calling fire or other services if needed. Notify us as soon as possible. Email us with the details of what happened; include photos, invoices, witness details, and any other evidence you have. Preserve the evidence. Keep damaged items, site records, and phone footage available for inspection—they help the insurer investigate and recover costs from any responsible parties. Report theft or malicious damage to police immediately and give us the event number. Co-operate with the insurer’s assessor. They may inspect the site, ask follow-up questions, or request a statutory declaration. Contact details for claims are on your schedule; if you’re unsure, reach out to us and we’ll help you through the process.

The insurer will need a completed claim form, your policy details, a clear description of the incident, any supporting evidence (photos, site records, invoices, or repair quotes), and any official reports if authorities attended. Exactly what’s required depends on the loss, so start with what you have, and the assessor will let you know if anything else is needed. Insurers require you to prove your loss—so the more detail and evidence you provide, the better.

Timeframes vary with the complexity of the loss and how quickly the required information is supplied. Straightforward claims with complete documentation can settle quickly, while larger or contested losses may take more time. Supplying clear details and evidence up front speeds things up—and we stay on the insurer to keep the file moving and minimise delays.

No. Owner-Builder insurance is a construction-period policy—covering accidental loss or damage to the works (and, if selected, public liability) while you’re building. Builders warranty (often called Home Building Compensation, or statutory warranty insurance) is a post-completion cover that has a different scope. These are two different products, two different timelines, bought for different reasons.

No. Home & Contents policies insure a finished dwelling and your personal possessions. Owner-Builder insurance instead protects the construction works (and, if selected, your legal liability) while the project is underway. If your standard Home & Contents policy is voided or suspended because of the renovation, you can often extend the Owner-Builder policy to include the pre-existing structure — the part of the home already standing before works — so it stays insured during construction. Contents themselves are typically outside the scope of an Owner-Builder policy, so you may need separate cover for those and if required a new Home & Contents policy once the project is complete.

We specialise solely in construction-period cover. If you need Builders Warranty or Home & Contents insurance, we can connect you with brokers who handle those products.