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Builders Insurance Australia

As a builder, especially if you run your own business, you are exposed to some pretty serious financial risks.

There is the risk of being sued for causing damage to someone's property, or worse being sued for causing someone's injury or death. There's also the risk of having your tools and equipment stolen, and the risk of injuring yourself and being unable to work.

Of course there are more risks faced by builders, but these are some of the most common risks, and certainly some of the most major financial risks. Whilst we can take steps to reduce these risks, we can never eliminate them entirely.

Thankfully builders insurance can help to manage many of the financial risks you face. Why would you choose to take on these risks yourself, when for a reasonable annual premium you can offload the financial risk on to a big insurance company?

The risk of damaging someone's property is every present for a builder, as is the risk of someone suffering an injury as a result of your work. The easy answer to this risk is public liability insurance.

Builders public liability insurance will cover the costs involved if you are sued for property damage or personal injury. The amount of cover varies from $5 million up to $20 million, and additional cover can be obtained if you are working on very large projects which require higher than standard amounts.

Every builder lives with the fear that their tools and equipment could be damaged or stolen at any time. It could be as a result of a traffic accident when your trailer gets cleaned up, or when some local thieves decide to break into your vehicle or into your worksite.

Tool insurance can take care of this risk by replacing any tools which are stolen or suffer accidental damage. Often the cover provides new-for-old replacement, which means you'll never be worse off if your tools go missing.

Another huge risk for any self-employed builder or subcontractor is the inability to work due to injury or illness. It doesn't have to be an injury on the worksite, injuries can happen anywhere at any time. As for sickness, it doesn't matter where you get it.

Income protection insurance for builders can cover this risk by paying you a monthly benefit until you're okay to return to work. In the unfortunately case of an injury or illness where you can never return to work, TPD insurance will help you out with a big lump sum payment.

Insurance is vital for any builder, and there are many other types of builders insurance available in addition to those listed above. Which covers you need will depend on the needs of your business and your family.

If you're going to consider and builders insurance, the main ones to add to your list are public liability insurance, tool insurance, income protection and life insurance. Those will get you started, and your builders insurance broker can tell you the best way to structure them, and if you need any other policies.

For more information about builders insurance in Australia we recommend you spend some time reading through our website, and when you're ready to speak with a professional simply complete our online builders insurance quote request form.

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Income Protection

Public Liability

Builder's Pack

What makes us better?

1. Lower Premiums

Our team will work hard to find the best deal on your insurance. If you can find a better deal elsewhere, we'll do our best to match it.

2. Less Hassle

Our online systems allow you to get your quotes faster and get your cover in place with the least amount of hassle.

3. Big & Strong

We only use strong and reputable insurers for your cover, giving you peace of mind knowing that you'll be looked after at claim time.

4. Expertise

We're the experts when it comes in insuring builders. It's what we do, and we do it well.

5. No Call Centres

You won't be dealing with a random person in a call centre each time you speak with us. Instead you will be assigned to a single adviser or broker (depending on your needs) who will look after you.


Public Liability Insurance
Income Protection Insurance
Life Insurance
TPD Insurance
Trauma Insurance
Tool Insurance
Builders Warranty Insurance
Owner Builder Insurance


Builders Insurance Brokers


This website contains general information only and does not take into account your personal needs and objectives. You should not act upon any information without first seeking advice from a qualified professional.

The information contained within this website is for your information only, and by completing an online enquiry your details will be referred to a suitably qualified and licensed professional.

This website is owned and operated by Equita Financial Services Pty Ltd (Equita).

Equita does not hold an AFSL and is not authorised to deal in financial products.