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What is Contract Works Insurance?

When you’re working on a construction site, plenty of things can go wrong. Damage or loss to a building could cost you time, money and even your reputation. Meanwhile, an onsite injury can result in considerable pain, stress and financial loss.

That’s why having the right amount and type of contract works insurance is an important part of your business toolkit, allowing you to get on with the job with less stress and worry.

Who should consider it?

Contract works insurance is recommended for small, medium and large commercial, industrial and domestic builders, sub-contractors and owner-builders.

Most owner builders take out contract works insurance for a specific contract, while professional builders generally choose an annual policy that covers multiple contracts.

“There have been significant reductions in the numbers and rates of injuries and fatalities in this industry over the last ten years or more. Nevertheless, the construction industry remains a high risk industry.”

Safe Work Australia, 2015

Did you know?


The construction industry has the fourth highest rate of serious claims in 2012-13 (Safe Work Australia, Construction Industry 
Profile, 2015)


According to the NSW Police, theft from housing construction sites account for 1% of the cost of a new home (NSW Police Force, Preventing Building Site Theft, 2018)


WA Building industry’s anti-crime group, Busted, states that each year, building site theft costs the sector almost $25 million (ABC, “Regional residents urged to keep watch for building site theft”, 2014)

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