Insurance
Home Indemnity / Home Warranty insurance, public liability, contract works, plant + equipment, workers comp.
28 entries
Contract Works Insurance Gaps for Australian Builders
The gaps that reduce contract works claims: a sum insured set at contract price, the average clause, the existing structures exclusion on A&A work and a policy that dies at PC.
Cyber Insurance for Australian Residential Builders
Why AU residential builders need cyber cover, the ransomware exposure through subcontractor portals and how NDB scheme obligations interact with the policy.
Management Liability Insurance for Australian Residential Builders
How management liability cover bundles directors and officers, employment practices and crime cover into one policy for AU residential builders.
Plant and Machinery Insurance for Australian Residential Builders
How plant and machinery cover responds for AU residential builders, the split between fixed plant and mobile plant, and the theft and damage gaps to watch.
Professional Indemnity Insurance for Design and Construct Residential Builders (AU)
How professional indemnity cover responds when an AU residential builder takes on design responsibility under a D and C contract, and where the cover stops.
Tool and Equipment Insurance for Australian Residential Builders
How tools-of-trade and portable equipment cover responds for AU residential builders, where the common gaps sit and whether subbie tools are insured.
Underinsurance Risk for Australian Residential Builders
The average clause cuts every claim in proportion to the shortfall in your sum insured. Section 44 of the Insurance Contracts Act 1984 does not protect a builder contract works policy.
Workers Compensation Policy Lapse Risk for Builders
A lapsed or understated workers compensation policy makes the builder personally liable for the full cost of any claim. Queensland recovers the payout plus 50 per cent. Victoria fines up to $218,088.
Contract works (builders all-risks) insurance for NSW residential builders
What contract works insurance covers for NSW residential builders, why it sits separately from HBCF and public liability, standard exclusions including defective workmanship and existing
HBCF Claim Process in NSW: Death, Disappearance, Insolvency or Licence Suspension
How to claim on icare HBCF in NSW when a residential builder dies, disappears, becomes insolvent or has a licence suspended for more than 12 months. Triggers, time limits, cap and steps.
HBCF Eligibility Suspension Risk for NSW Builders
icare HBCF eligibility can be suspended or cut at any time. No eligibility means no certificate of insurance, no lawful start and no lawful payment on any NSW job over $20,000.
Home Building Compensation Fund insurance: when NSW residential builders must hold cover
What HBCF insurance is, when NSW residential builders are required to hold it under section 92 of the Home Building Act 1989, the two-step eligibility plus certificate-of-insurance process
Public liability insurance for NSW residential builders
What public liability insurance covers for NSW residential builders, the typical $10 million and $20 million per-claim limits, what is excluded (workers, works under construction, defective
Strata building bonds in NSW: the 2% bond and defect inspection scheme
How NSW Class 2 residential strata buildings above three storeys are covered by the Strata Building Bond and Inspections Scheme under Part 11 of the Strata Schemes Management Act 2015. Bond
Workers compensation insurance for NSW residential builders
Why NSW residential builders need workers compensation cover, who counts as a worker (including deemed workers), how the SIRA Worker or Contractor Tool resolves subcontractor classification,
Builders warranty insurance exemptions in Victoria
When Victorian building warranty insurance is not required. The contract-value line moved from over $16,000 (DBI) to over $20,000 (Home Warranty) on 1 July 2026, plus the multi-storey carve-out.
Domestic Building Insurance (DBI) in Victoria: when residential builders must hold cover
From 1 July 2026 Victoria replaced DBI with the first-resort Home Warranty scheme (work over $20,000, $400,000 cap, BPC as sole provider). DBI still governs contracts signed before that date.
Domestic Building Insurance Exclusions in Victoria
What Victorian DBI does not pay for. The $300,000 aggregate cap, non-completion limited to 20 per cent of the contract price, 60 days of accommodation and 180 days to notify.
VMIA Domestic Building Insurance Claim Process in Victoria
How to claim in Victoria. Home Warranty claims for contracts from 1 July 2026 are first resort and lodged with the BPC; legacy DBI claims run through the BuildVic portal on 180-day last-resort terms.
QBCC Home Warranty Insurance Scheme in Queensland
How the Queensland Home Warranty Insurance Scheme protects homeowners against builder non-completion and defective work. The $3,300 threshold (the lowest in Australia), QBCC as the sole
QBCC Statutory Insurance Claim in Queensland: Non-Completion and Defects
How to claim on the Queensland Home Warranty Scheme (QHWIS) when a builder cannot complete the work. QBCC triggers, 3-month termination window, $200,000 standard cap, full process.
QHWIS Non-Completion Cover: The 3-Month Termination Window (QLD)
The Queensland Home Warranty Insurance Scheme covers homeowners when a builder cannot finish a job. This entry sets out the 2-year cover envelope and 3-month termination window.
Home Indemnity Insurance Claim Process in Western Australia
How WA homeowners claim on Home Indemnity Insurance (HII) when a builder dies, disappears or becomes insolvent. Triggers, $200,000 cap, $40,000 deposit cover and DMIRS oversight.
Home Indemnity Insurance Claims in WA
WA home indemnity insurance pays up to $200,000, and only where a relevant circumstance exists. A solvent builder refusing to fix defects is not one, which is the scheme's biggest gap.
Building Indemnity Insurance in South Australia: When Residential Builders Must Hold Cover
South Australia does not call it home warranty insurance. The $20,000 threshold from 10 November 2025, the $250,000 policy limit, 5-year defect cover and a $500,000 penalty for going without.
Residential Building Insurance in Tasmania: There Is No Home Warranty Scheme
Tasmania abolished compulsory home warranty insurance in 2008 and has not brought it back. What protects a Tasmanian homeowner instead: statutory warranties, CBOS mediation, TASCAT and the ACL.
Residential Building Insurance in the ACT
Residential building work over $12,000 in the ACT needs insurance or a fidelity fund certificate. Minimum cover is $200,000 since 1 January 2025 and a claim must be lodged within 180 days.
Residential Building Cover in the Northern Territory
The NT runs no home warranty insurance scheme. Cover comes from a fidelity fund certificate under the Building Act 1993, triggered at $25,000 of work since 30 March 2026.