Insurance During the Build

The builder’s insurance covers the builder’s liability. It does not necessarily cover your interests as the owner. Some cover during construction may be yours to arrange.

The builder’s insurance protects the builder

Public liability and similar cover held by the builder is directed at the builder’s own exposure.

Contract works insurance matters

Cover for the works during construction may be arranged by the builder or the owner depending on the contract. Confirm who holds it.

Your existing cover may not extend to a build

Home and contents or land insurance may not cover a property under construction. Check with your insurer.

Gaps can be costly

If something happens on site and no policy responds, the loss can fall on you.

Confirm before work starts

Understand what insurance is in place, who holds it and what it covers before construction begins.

Questions to ask before signing

Who arranges contract works insurance? What does the builder’s insurance cover? What must I arrange myself? Does my existing cover extend to a build?

The key lesson

Do not assume you are covered during construction. Confirm who insures what before something happens on site.

Before You Sign

This guide provides general educational information for South Australian homeowners. It is not personalised legal advice. The effect of any issue depends on the wording of your own contract, schedules, Special Conditions, plans, specifications and the facts of the project. A good builder and a well-understood contract should work together. Before committing to one of the largest financial transactions you may ever undertake, consider having the actual contract reviewed so you understand the obligations, notice requirements and consequences before they are tested on site.

Before You Build. One Signature. One Chance.