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Contract Works Insurance

Safeguard Your Build from Start to Finish

Call Us: 1300 900 207

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Protect Your Construction Business with Coverscope

1300 900 207

What Is Contract Works Insurance?

Think of it as peace of mind for your project. Contract Works Insurance, also known as Construction All Risk Insurance, is a policy designed to cover construction work from site preparation through to handover.

It includes things like:

  • Damage to the work itself, say, from fire, storm, theft, or vandalism
  • Liability if someone gets hurt or property is damaged because of your job site

This type of coverage is commonly used in both residential and commercial projects. In many cases, it’s written into contracts. Even if it’s not, it’s one of the smartest business protections you can have on site.

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Who Should Be Covered?

Construction doesn’t always go to plan. Whether you’re halfway through a project or just breaking ground, the unexpected can hit hard: theft, storms, fire, or even third-party claims. That’s why having the right cover from day one matters.

Coverscope helps builders, contractors, and owner-builders protect their work, tools, and liability with flexible Contract Works Insurance that makes sense for the real world.

If you’re responsible for any part of the build, you should be covered. That includes:

  • Licensed builders managing complete builds
  • Owner-builders taking charge of their projects
  • Subbies working under contract
  • Developers coordinating multiple sites

It doesn’t matter if the job’s a single reno or a whole subdivision; if you’re liable, you’re exposed. And that’s where this policy comes into play.

Cover Options That Fit the Way You Work

One-Off Project Cover

  • Perfect for one-time jobs. You’re covered from the moment you roll onto site until the project is completed.

Annual Turnover Cover

  • If you’ve got multiple jobs running each year, this option makes life easier. The cover applies across your work, and premiums are based on your expected annual turnover: one policy, multiple sites, fewer admin tasks.
Contract Works Quote

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Optional Add-Ons Worth Considering

Delay in Start-Up

Covers loss of income or added costs if an insured event delays a project

Defects Liability Period

Covers certain losses after handover, during the maintenance period

Tools and Equipment

Adds protection for mobile gear, machines, and tools

Existing Structures

Essential if you’re doing renovations or extensions on a standing building

Removal of Debris

Covers cleanup costs after damage

Escalation

Helps if material or labour prices jump mid-build due to delays

Professional Fees

Pays for engineers, architects, or consultants needed to fix insured damage

Professional Indemnity

For builders offering design input or advisory services

Your Trusted Business Insurance Partners, Wherever You Are

For immediate response please give us a call.

Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.

Find The Right Cover

Complete the form to request a QUOTE. Call us at 1300 900 207 for an immediate response.

Name(Required)
Postcode(Required)
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For zoho mapping
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What's Not Covered?

As with any insurance, there are limits. Here are a few things this policy usually won’t cover:

  • Rectifying faulty workmanship or poor design

  • General wear and tear

  • Losses due to war or terrorism

  • Indirect losses like penalty fees or loss of expected profit

We’ll walk you through the finer details.

What's Typically Included?

  • Damage to work in progress, materials, and equipment on site

  • Public liability, if a third party suffers loss, injury, or property damage

  • Protection during construction, not just after

  • Optional extras (we got to these above)

It’s solid, practical cover for the stuff you can’t always control.

Get in Touch

Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.

  • PO Box 7005, Mount Crosby QLD 4306

Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.

Please complete the form to submit an enquiry.

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