Construction Insurance

Tailored cover for Construction Workers

We specialise in Construction Insurance and have extensive knowledge of the specific coverage required in this industry. Our expertise allows us to connect you with the most competitive options available. Whether you’re a Construction worker needing a comprehensive insurance package for your business, we’ve got you covered. Let us handle all your insurance needs with ease and professionalism.

Save yourself from endless hours of shopping around – we offer you the most competitive options right from the start. Experience convenience and efficiency without compromising on quality.

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What you need to know about

Business Insurance Coverage for Construction Projects

Having worked closely with a diverse range of construction workers for the past few years, we have gained valuable insights into the insurance policies necessary to ensure comprehensive coverage. Our specialisation lies in crafting tailored insurance solutions for all types of construction projects, be it domestic, commercial, or industrial. Rest assured; we can handle it all for you. Typical insurance policies for  construction workers insurance include:

If your business is engaged in high-risk occupations, we collaborate with multiple insurers and underwriting agencies that provide customised coverage for construction businesses and contractors. We aim to ensure you have the right protection tailored to your needs.

Construction policies often come with an extensive array of exclusions and endorsements. Therefore, it is crucial to ensure that you receive accurate advice regarding your policies. This ensures you have the right coverage and peace of mind for your construction projects.

Regardless of your caution and experience, unforeseen events can always occur. Without an appropriate construction insurance policy, you may face various potential risks that may or may not be covered. Protecting yourself against these exposures is crucial to ensure peace of mind and protect your business.

Our main priority is to offer our clients exceptional guidance, ensuring top-notch policies and providing a transparent explanation of all the details. We strive to instil confidence in our clients by carefully selecting the best coverage for their needs.

Why Priority Insurance Brokers?

Why should you use Priority Insurance Brokers to arrange your insurance for construction?

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Why should you have a tailored construction insurance policy?

Picture this situation: a client reaches out to you, concerned about a crack in the foundation of their recently constructed property. They suspect this issue arose from inadequate soil analysis and preparation before pouring the foundation.

After assuring the client of prompt action to resolve the issue, you contact your current insurance broker. To your surprise, the broker informs you that your existing policy imposes a $15,000 excess for structural damage claims, a condition you were unaware of. Unfortunately, you must cover this excess payment for the claim to proceed.

A comprehensive insurance policy for construction contractors should clearly specify any endorsements and any non-standard or special excesses that may have been imposed. This ensures transparency and clarity in the coverage provided.

We prioritise ensuring that our clients have a comprehensive understanding of their policy coverage and the associated conditions. This proactive approach helps prevent any unexpected surprises in the future, promoting transparency and peace of mind.

Looking for a broker to help with construction insurance? We've got you covered.

Running a business is no small feat. As a business owner, you’re expected to have a firm grip on every aspect of your operations. Our company strives to simplify the process as much as possible. Our dedicated brokers work closely with each business owner, gaining a deep understanding of your unique needs and ensuring that everything is in place to avoid any unpleasant surprises. We take pride in our transparency and never hide behind complex jargon or hidden clauses.

Your Construction Workers Insurance Questions Answered

What are the reasons behind the difficulty of including construction within our insurance coverage?

Given the range of risks associated with construction projects, including physical damage to property and liability for third-party injury or damage, it is important to obtain specialist advice from an experienced insurance broker. We can help you ensure that your policy is comprehensive enough to cover all potential risks while offering competitive pricing. In certain cases, we may also be able to package multiple policies together to provide an even more cost-effective solution.

How can I acquire construction insurance coverage?

Construction insurance coverage is available from most major insurers and can be acquired through an Insurance Broker. An Insurance Broker will assess your individual needs and preferences to recommend the right policy for you. They can also compare quotes from multiple providers to get the best deal possible for your project.

What makes construction work fall into the category of medium to high risk?

Construction work is classified as medium to high risk due to the various dangers of building works, such as unstable foundations, faulty wiring, or scaffolding collapses. Therefore, it is important to make sure you have appropriate cover in place so that any losses aren’t left without compensation.

Is it necessary for subcontractors to possess individual insurance, or are they protected under the primary construction policy?

Subcontractors may be covered under the primary policy. However, it is recommended that they have their policies in place. This ensures that any losses they sustain will still be compensated for even if the main policy doesn’t cover them. Subcontractors should also check with their employers to make sure they have adequate coverage before beginning any project.

Why is it important to understand the terms and conditions of construction insurance?

Having a clear understanding of the terms and conditions of your policy is essential, as this will help you to identify any potential problems that may arise. It also means that any issues relating to your cover can be addressed quickly to minimise any disruption or losses. Having an understanding of the terms and conditions will also ensure that you get the most out of your policy, as it will allow you to identify areas where cover is either lacking or too generous.

Will the insurance policy provide coverage for the tools and equipment utilised by my construction crew?

Yes, most construction insurance policies will provide cover for the tools and equipment used by your crew. This usually includes both hand tools and machinery used during construction work. Before agreeing to the terms, it is important to check with your insurer that they are covered under your policy and that any applicable limits and exclusions are understood.

Is coverage available for accidents or injuries to pedestrians or bystanders near the Construction site?

Yes, some insurance policies may provide cover for accidents or injuries to pedestrians or bystanders near the site. However, it is important that you check with your insurer as to what their specific policy covers in terms of liability and negligence.

Are there any specific insurance requirements for working on projects in a public area?

No, there are no specific insurance requirements for working in a public area. However, you must consult with your insurer if the project involves any risks or activities that may increase the likelihood of an incident.

What additional insurance coverage should I consider alongside my construction insurance policy?

We generally advise business owners needing construction insurance policies to consider other recommended policies. These policies typically encompass the following aspects:

As an Insurance Broker, we specialise in bundling multiple policies to provide the most competitively priced options while ensuring easy management through consolidated policies. We aim to streamline the process, making it simpler and more efficient for you to maintain your insurance coverage.

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