Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Most Dedicated Business Insurance Broker 2023
QLD 2023 Top Insurance Broker Finalist
Peoples Choice 2023 Winner
Fast Starter Award 2023
QLD Top Insurance Broker Finalist 2022 Finalist
QLD 2022 Top Insurance Broker Finalist
Top Thought Leader 2022 Winner
What you need to know about
Insurance for contractors is particularly crucial since it’s typically not provided by their employers. Given their unique position within the industry, contractors are vulnerable to potential risks, and having the right insurance coverage is essential for your protection. At our brokerage, we have extensive experience working with numerous contractors, so we understand the specific policies you need to ensure comprehensive coverage.
Contractors insurance that we specialise in:
Need a Contractors Insurance Broker? We've got you covered.
As a contractor, it is your responsibility to source your own insurance policy. That also means it is up to you to ensure you are fully covered in the event of an accident. Are you confident that you know everything that you’re covered for?
As brokers that specialise in sourcing contractors’ insurance, we can provide you with tailored advice across all insurance products. Since we’ve been working with a large number of contractors within the industry, we know which companies offer good cover and which offer cheaper alternatives for a scaled-back level of cover. Both options are fine, depending on how they impact you and your work.
A public liability policy will usually cover all projects up to your limit of liability.
Yes, this is quite normal and is usually required when multiple parties share an interest in a project.
A public liability policy requires property damage or personal injury to occur for the policy to respond in the event of a claim. If personal injury and property damage doesn’t occur than a professional indemnity can in some instances provide cover for “any financial loss”. A Professional Indemnity isn’t available to all occupations so it would need to be considered on a case by case basis.
In Australia, contractors insurance and public liability are treated as the same. Other countries refer to policies differently however, most contractors require public liability insurance in the first instance which is why it is usually referred to as contractors insurance. Or, it is used as a broad terminology of the “contractors insurance” that is specific to your role. For example, public liability, portable tools cover and professional indemnity.
If the use of subcontractors are declared on your policy than your policy will usually cover you for the negligence of the contractor however, it is likely, depending on your contractor agreement your insurer may seek recovery from the subcontractors insurance.
All policies are written on an annual basis – they can be cancelled at anytime however, some insurers and policies incur a minimum and deposit premium meaning that if cancelled mid-term there may or may not be a refund applicable. It is not the intention of a policy to be taken out and then cancelled when the project finishes and then taken out again at the commencement of your next project. Most insurers and Brokers will refuse to offer cover if this is the case.
Most policies are written on an occurrence basis which means that as long as there was a valid policy in place when the incident “occurred” then cover will be provided for previous work.
As your broker, we take care of this for you. Our renewal check-ins are designed to update the information that needs to be updated each year.
Protects against third-party injury or property damage claims.
Covers legal costs if your services or advice lead to a client’s financial loss.
Safeguards unfinished projects from delays, damages, and unforeseen events.
Ensures financial stability if an injury or illness prevents you from working.
Covers damage or theft of expensive tools, heavy machinery, and leased equipment.
Protects your work vehicles in case of accidents or theft.
Shields against data breaches, online fraud, and digital security threats.
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