Smart Insurance Solutions for the Construction & Building Industry
Construction businesses face a wide range of risks, from site accidents and material theft to contract disputes and strict regulatory obligations. At Coverforce, we understand the challenges of working in fast-paced, high-risk environments and can arrange tailored insurance solutions to help safeguard your business, people, and future projects.
Professions and business types we can help include:
Residential Builders | Commercial Builders | Renovation & Fit-out Specialists | Project Managers | Owner Builders | Scaffolding Services | Cladding & Facade Installers | Concrete & Formwork Contractors
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.
Tools and Material Theft
High-value tools and construction materials are common targets for theft. Without proper protection, replacing stolen items can be costly and disruptive.
Contractual Liability
Builders are often subject to contracts with strict insurance, warranty, and indemnity requirements. Mismanaging these obligations can expose your business to legal action and financial risk.
Delays and Cost Overruns
Delays due to labour shortages, weather events, or supply chain issues can result in budget blowouts and unhappy clients. Insurance can help mitigate the financial impact.
Defective Work Claims
Even with the best intentions, disputes over workmanship or building defects can arise, sometimes years after project completion. The right insurance can help protect you from these costly claims.
Insurance Considerations for the Civil Construction Industry
Business Insurance Packages
A bundled cover for common business risks like fire, theft, and property damage.
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Cyber & Privacy Insurance
Provides cover for cyber attacks, data breaches, and privacy-related claims.
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Directors & Officers Insurance
Protects company directors and officers against claims of wrongful acts in managing the business.
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Commercial Property Insurance
Helps protect buildings, contents, and stock against loss or damage.
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Contractors Plant Insurance
Covers owned and hired construction equipment against damage or theft.
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Contract Works Insurance
Protects your projects under construction against accidental loss or damage.
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Group Income Protection Insurance
Provides ongoing income support to employees unable to work due to injury or illness, while also helping employers support staff wellbeing and improve retention.
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Industrial Special Risks Insurance
Broad coverage for larger operations with high-value assets and complex risks.
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Management Liability Insurance
Covers the business and its management against risks like employee claims, regulatory investigations, or financial mismanagement.
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Motor Fleet Insurance
Covers multiple business vehicles under one policy for accidents, theft, or damage.
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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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Professional Indemnity Insurance
Protects against claims arising from professional advice or services that cause a client financial loss.
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Strata Insurance
Protects strata-titled buildings and common areas against loss or damage.
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Workers Compensation Insurance
Mandatory cover for employee injuries, ensuring your legal obligations are met across Australian states.
Learn more >>Why choose Coverforce?
At Coverforce we are committed to delivering outcomes that genuinely protect our clients. For more than 30 years, Coverforce have been a specialist provider of insurance and risk advice to the construction industry. We currently work with licenced builders, civil contractors, property developers, sub-contractors, consultants, tradespeople and related services providers.
Our insurance brokers have significant experience covering commercial and residential building (including high rise), civil, industrial and infrastructure projects.
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 and products including:
Speciality Products
Asbestos, Pollution & Environmental Liability Insurance
Bonds (Surety)
Builders Warranty/ HBCF Insurance
Life Insurances (Term Life, Key Person, TPD, Trauma, Income Protection and Business Expense Insurance)
Marine Insurances (Cargo and Transit, Commercial Hull, Protection and Indemnity, Marine Liability)
Trade Credit Insurance
Warranty and Indemnity Insurance
Speciality Services
Assets & Insurance Valuations
Business Interruption Reviews
Contractural Reviews & Contract Advice (24hr Turnaround)
Group Insurance Schemes
International Placements
Workers Compensation Assistance (reviews, OH&S audits, claims management, RTW suppport)
What our clients say..
Coverforce's expert team not only designed and implemented our construction and development program, but ensured that at each stage of the program, we were always kept informed and engaged. I cannot recommend them highly enough.
Clive Wickham, Taylor
When considering suitable project insurance it's important to bear in mind the "best for project" principle. Our experience has been that the Coverforce team has this principle forefront in their mind when designing the program, marketing the insurance and finalising policy wordings.
Peter Hardaker, Baulderstone
We highly recommend the services of Coverforce to any developer, head contractor, general or civil contractor. They have a very solid and experienced team of broking, claims and legal personnel who are always available.
John Kinsella, Billbergia
Every project has risks that need to be identified and the need for adequate risk management and insurance. We have included Coverforce within our various bid teams to ensure each project's risk program is comprehensive, yet flexible, and "best for project" responding to all contract variations and claims.
Patrick Gallagher, Abigroup
Get in touch
Speak to an experienced construction 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 the Construction Insurance quote form below and one of our insurance brokers will get in touch with you within one business day.
Request a Quote
