Smart Insurance Solutions for the Civil Construction Industry
Civil construction projects come with high-risk environments, tight deadlines, and strict safety requirements. At Coverforce, we understand these challenges and can arrange tailored insurance to help protect your people, projects, and bottom line.
Whether you’re working on roads, bridges, utilities, or subdivisions, we’ll help ensure your insurance program is robust, compliant, and ready for the demands of your projects.
Professions and business types we can help
Civil Contractors | Earthmoving & Excavation | Road & Bridge Construction | Utility & Pipeline Works | Drainage & Sewerage | Land Development | Plant & Equipment Hire | Traffic Control
Key Industry Risks
On-Site Injuries and Accidents
Workers, subcontractors, or even visitors to the site can be injured, potentially leading to compensation claims, project delays, and serious legal or financial consequences for your business.
Equipment Damage or Theft
Heavy machinery and specialised tools are essential to your daily operations—but they’re also high-value assets that are vulnerable to theft, damage, or breakdown. Without adequate protection, replacing or repairing them can cause costly interruptions.
Contractual Liability
Many civil construction projects involve complex contracts that include strict insurance, indemnity, and liability clauses. Misunderstanding or overlooking these terms can leave your business financially exposed in the event of a dispute or claim.
Project Deays and Downtime
Delays caused by adverse weather, equipment failure, or supply chain and subcontractor issues can quickly escalate, affecting your timeline and profitability. Having the right coverage in place can help manage these risks and keep your project moving.
Environmental and Pollution Exposure
Civil works can inadvertently cause environmental harm, from fuel spills to soil and water contamination. These incidents may lead to regulatory fines, legal action, or expensive remediation requirements without appropriate insurance protection.
Insurance Considerations for the Civil Construction Industry
Contract Works Insurance
Covers accidental damage to building works, materials, and equipment during construction projects.
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Public Liability Insurance
Protects your business from third-party injury or property damage claims related to your operations.
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Plant & Equipment Insurance
Covers owned and hired plant and machinery, including breakdown, theft, and damage.
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Workers Compensation Insurance
Mandatory cover for employee injuries, ensuring your legal obligations are met across Australian states.
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Management Liability Insurance
Protects directors and business owners from legal costs related to employment claims, WHS breaches, and mismanagement.
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Business Interruption Insurance
Provides financial protection if your business is forced to stop operating due to an insured event.
Learn more >>Why choose Coverforce?
At Coverforce, we specialise in providing sound risk advice and tailored insurance solutions to some of the largest and most reputable civil contractors across Australia.
With over half our business focused on the construction and property sector, our brokers have a wealth of experience covering the unique exposures faced by civil construction companies, builders, develops and contractors working on civil projects and infrastructure developments.
When partnering with your business, your insurance broker will:
- Conduct a full risk assessment and analysis before starting any new construction or civil projects
- Liaise directly with the engineering and/or project management teams to help ensure seamless integration of insurance cover
- Help you to understand your builders insurance arrangements, ensuring they remain flexible and cater for change of scope or project delays
- Clearly communicate your exposures and provide you with accurate assessments of the potential underinsured aspects of your construction projects
- Proactively review any contract conditions to ensure we are providing you with the necessary construction insurance coverage at the best possible price
Specialist support for Civil Contractors
Our experienced team are licenced to deal in all classes of General Insurance and have the expertise to provide you with sound risk advice across a range of exposures.
We can also assist with an array of specialty services such as contract reviews, bonds and OH&S Audits including:
Assets & Insurance Valuations
Business Interruption Reviews
Surety & Contract Bonds
Builders Warranty / HBCF Insurance (NSW)
Contractural Reviews & Contract Advice (24hr Turnaround)
Trade Credit Insurance
International Placements
Workers Compensation Assistance (reviews, OH&S audits, claims management, RTW suppport)
Get in touch
Speak to an experienced insurance specialist today.
At Coverforce, our expert team of insurance brokers will take the time to assess your individual requirements and exposures and deliver a comprehensive insurance solution that is tailored to your specific needs and budget.
For more information or to arrange cover, please contact your local Coverforce Office.
Alternatively, you can simply fill out a Civil Construction quote form below and one of our insurance brokers will get in touch with you within one business day.
Request a Quote
