Scope and value
New build, extension, or renovation, plus contract value and materials on site, are the starting points for any construction review.
Construction insurance
A review path for building and renovation projects.
Construction cover is usually organised around a project rather than a year: the works themselves, the liability around the site, and the duration until practical completion.
General information only. Cover depends on the PDS, TMD, eligibility, underwriting, and policy terms.
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PDS/TMD terms checked before decisions
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Next step quote, renewal, or advice pathway
Broker proof
Talk it through with Shahid Mohammad before you decide.
A named Insurance Time broker can help turn this cover question into a practical review path. Call Shahid Mohammad directly or book if a scheduled conversation is easier.
- 24+ years of Shahid Mohammad's insurance experience behind broker-led conversations.
- PDS, TMD, eligibility, underwriting and policy terms stay central.
Project review
Define the project before comparing options.
Duration and stages
Construction policies are usually written for a project period, so start date, expected completion, and any maintenance period matter.
Who is doing the work
Licensed builder, owner builder, or a mix of trades changes both the obligations and the insurer appetite.
Covers commonly discussed
Works, liability, and the plant that builds it.
A construction conversation generally separates damage to the works being built from liability to other people, then adds the equipment and tools on site.
Contract works
Generally addresses damage to the works under construction and materials on site, including events such as fire, storm, and theft, subject to the policy terms.
Public liability
Addresses third-party injury or property damage connected to the site. Councils, principals, and contracts often specify a minimum limit.
Plant, tools, and hired-in equipment
Equipment on site, including hired-in plant you are responsible for under a hire agreement, is a frequent addition.
Common questions
Questions worth asking before you decide.
Use the first conversation to clarify documents, timing, fees where relevant, and the policy terms that need checking before advice, quote, renewal, or claims-support steps.
What is owner builder insurance?
It generally refers to the construction cover an owner builder arranges for their own project, most often contract works and public liability. Requirements differ by state and by council, and eligibility, underwriting and the policy terms decide what is available.
Is contract works the same as home insurance?
No. Home and contents policies are written for a completed, occupied dwelling. Contract works is written for a site under construction, which is why a build usually needs its own arrangement.
How long does the cover run?
Construction cover is generally arranged for the project period rather than a standard year, sometimes with a defined maintenance or defects period afterwards. Overruns are a normal thing to flag early.
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Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about construction and owner builder insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.