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Contract Works Insurance

Contract Works (Construction Works) insurance provides critical coverage for builders, tradies and subcontractors on site and – with the right package – off site.

However, not all Contract Works policies are created equal. Many policies include all or some of the below issues which can mean a huge headache when something goes wrong and, at worst, leave you without cover at all:

  • Harsh and restrictive compliance requirements for cover to be effective
  • Gaps in cover
  • Vague definitions of coverage
  • A ‘one size fits all’ policy that doesn’t meet the needs of specific industry sectors
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What Can Be Covered
Do for You?

As your trusted business partner, Be Covered have the experience and know-how to tailor an insurance program to fit your individual needs. We use our specialist industry knowledge to tailor your Contract Works policy around your needs. The policy can be tailored to include risks such as:

  • Accidental loss and/or damage to materials and works on site
  • Theft and vandalism
  • Liability to third parties for property damage or personal injury
  • Materials stored onsite / offsite
  • Products Liability for your products after they are completed
  • Difference in conditions liability to fill gaps in builder contracts

Who Needs Contract
Works Insurance?

Most people recognise the importance of builders getting Contract Works to cover what’s being built, but many construction businesses can benefit from these policies. These include:

  • Tradies who work directly for their customers
  • Property developers
  • Construction managers
  • Owner builders
  • Subcontractors to meet head contract requirements or fill in gaps in risk allocation

Common Questions Answered

Contract Works insurance covers physical loss or damage to a construction project during the building process, including materials on site. It protects against unexpected events such as fire, theft, storm damage, or vandalism while work is underway. The policy can also be extended to include additional cover options such as Tools, Existing Structures, Principal-Supplied Materials, and Public Liability.
Anyone responsible for works during construction should consider Contract Works insurance. This includes builders, contractors, subcontractors, and even owner-builders. Whether you're managing the entire project or just your portion of the works and materials, this cover helps protect your responsibilities on site.
Potentially yes, if you're supplying materials or responsible for any part of the build, you may need your own cover. The head contractor’s policy might not cover your work—or their excess could be much higher than you're comfortable with. Always check to ensure you're protected if damage occurs to your works or theft of your materials.
In most cases, yes. Contract Works insurance is often bundled with your Public and Products Liability policy to provide cover for physical loss or damage to your work during construction, along with protection against third-party injury or property damage.

We Have the Building
Industry Covered

Specialist Construction & Building
Insurance Broker

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(08) 7092 2242

Be Covered, we take the time to get to know your business, get the cover that’s right for you and, if something does go wrong, Be Covered are on your side with the knowledge and experience to handle even the toughest claims – that’s our difference.

(08) 7092 2242