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What is…

Construction Works (Contract Works), Public & Product Liability Insurance?

Construction Works, Public & Product Liability Insurance (also known as Contract Works) is taken out by builders, tradies or subcontractors to cover their responsibilities to insure against loss or damage to their build project. As well as legal and contractual obligations in relation to the contracted works.

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What is covered

Events Insured

Material Damage

Broad protection for the contract works in respect of accidental damage covered events including fire, theft, water damage, Flood, malicious damage, storm and cyclone, landslip and earthquake.

Material Damage
Public and Products Liability
Public and Products Liability

Covers you for your legal liabilities in relation to the contract works during the job and after its completion.
We understand that every build and business is different which is why we are giving you the option to choose your optimal limit of liability:

$5M    |    $10M    |    $20M

COVERS

Our new cover options
designed by industry experts for you

We understand the risks and challenges you face on and off site every day and know that no two businesses are the same or have the same needs.

What matters most to your business - and providing you with the optimal cover to protect your work at competitive pricing - is at the centre of what we do. Therefore, we have developed two new Construction Works, Public & Product Liability policy options for you to choose from.

HIAIS GOLD

Premium is the new standard

Display Homes Cover

Showcase your work and secure your next project with the peace of mind you need knowing your assets and investment is covered whilst you’re on-site working on your current build.

HIAIS PLATINUM

Our highest level of cover’s key benefits

Our Platinum and Gold cover is suitable for both residential and commercial builders and are available as either a Single Project Policy or Annual Turnover Policy, giving you the ultimate flexibility.

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Purchasing cover online is fast and easy!

We’ve taken the hard work out of protecting your work for you.

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Key Policy Benefits

HIAIS GOLD

Premium is the new standard

Get a Platinum Cover Quote

Our highest level of cover

best value

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  HIAIS GOLDGet a Platinum Cover Quote
     
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Material Damage
Broad protection for the insured works in respect of accidental damage covered events including fire, theft, water damage, Flood, malicious damage, storm and cyclone, landslip and earthquake.

Protection for your build/s throughout the entire contract period of construction.
Up to the total sum insured. Up to the total sum insured.

Existing Structures Cover
Cover that extends to protect existing dwellings when you are renovating or building and adding to an existing structure.

No need for further cover extensions to protect property on top of what’s insured in the contracted works.
Subject to the sub-limits specified in the coverage summary

Display Homes Cover
Automatic cover on display homes up to $500,000 on buildings, $50,000 for contents, and $10,000 for art during the insurance period.

Showcase your work and secure your next project with the peace of mind you need knowing you're covered whilst onsite.
Up to a total limit of $1,500,000 for the policy period.

Search & Locate Cause of Damage/Defects
Cover for costs spent to identify the cause of a defect or damage, such as discovering why a drain is blocked or identifying what’s causing water damage to internal walls.

Prevents you from having to entirely pay for discovering what’s causing something to not work properly.
Up to a limit of $50,000.

Legal Liability Claims
Cover for legal fees, settlements and court costs arising from defending a claim for third party personal injury or property damage.

Cover for legal fees, settlements and court costs you incur from defending certain claims.
Up to the limit of your liability cover including reasonable legal expenses. Up to the limit of your liability cover + reasonable legal expenses.

Public Liability & Product Liability
Protects your legal liability if you are held responsible for third party personal injury or property damage in your business activities and post-completion of the contracted works.

Covers you for your legal liabilities in relation to the contracted works during and after the job is complete.
Up to the sum insured. The choice is yours:
- $5M
- $10M
- $20M
Up to the sum insured. The choice is yours:
- $5M
- $10M
- $20M

Access to Remove & Restore Cover
Cover for costs to de-water, demolish or remove undamaged building works and gain access to allow repair.

Saves you from having to pay for the removal of part of the works to repair and continue with the build.
Up to a limit of $25,000.

Mitigation Costs
Cover for costs expended to prevent imminent Damage or mitigate the extent of further Damage, up to a limit of 5% of the contract value.

Stops you from being entirely out of pocket when it comes to preventing covered damage to insured property for your build/s.
Up to 5% of the contract value. Up to 5% of the contract value.

Subcontractor Negligence
Cover includes protection in circumstances where, due to a subcontractor’s actions on site, you are considered vicariously liable.

The peace of mind of knowing your interests are protected for your subcontractors work for which you could be vicariously liable.
Up to your liability cover limit. Up to the liability cover limit you choose.

Professional Fees
Cover for the costs of re-engaging architects, engineers, surveyors and consultants, up to 10% of the contract value.

Minimises the bill your business would have to foot if specialists needed to be brought in during a build.
Up to 10% of the contract value. Up to 10% of the contract value.

Automatic Contract Value Increase/Escalation
Where, during the construction period there is an increase in value of an insured contract, the contract value under the coverage will increase automatically.

Cover for if or when the cost goal posts shift and the contracted works is more expensive than initially insured for.
Up to 15% of the contract value as specified in the schedule. Up to 15% of the contract value as specified in the schedule.

Removal of Debris
Cover for the demolition and disposal of contract works, including the removal of debris and silt, regaining access to the site and restoring work conditions, up to 10% of the contract value.

Saves you from having to pay for the removal of debris if a covered event happens to get you back on-site fast.
Up to 10% of the contract value. Up to 10% of the contract value.

Business Premises
Cover includes protection in the event of an accident occurring at your business premises such as your office or workshop.

Cover for if accidents happen where you’re working.
Up to the liability cover limit you choose.

Materials in Storage
Cover for damage to materials to be used in the contract works that are in storage off-site but within the area specified in the contract, whilst awaiting transit to the build site.

Allows you to concentrate on the job without worrying if your off-site resources are safe until needed.
Up to the limit of the contract value. Up to the limit of the contract value.

Materials in Transit
Cover for damage to materials to be used in the contract works whilst in transit arising from fire, storm, flood, collision and/or overturning of the transportation, or by theft or malicious damage.

Cover for resources stored off-site that get damaged on the way to your build.
Up to the limit of the contract value. Up to the limit of the contract value.

Tools of Trade
On-site cover for tools used to produce the contracted works.

Cover for tools used on-site.
Available as an optional extra. Up to a limit of $20,000.

Have further questions?
Contact us at 1800 762 878

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Frequently Asked Questions

What's the difference between a Single Project Policy and an Annual Turnover Policy?
Single Project Policy

Covers you for the 1 insured job site and does not include product liability.

Annual Turnover Policy

Covers you for all your projects over a 12-month period. Product liability is included in this cover and ensures continuity of cover on past completed projects. This policy also ensures you don't forget to insure a project, leaving your business open to risk.

What is protected?
Single Project Policy

Covers you for the 1 insured job site and does not include product liability.

Annual Turnover Policy

Covers you for all your projects over a 12-month period. Product liability is included in this cover and ensures continuity of cover on past completed projects. This policy also ensures you don't forget to insure a project, leaving your business open to risk.

When are you protected from?
Single Project Policy

Covers you for the 1 insured job site and does not include product liability.

Annual Turnover Policy

Covers you for all your projects over a 12-month period. Product liability is included in this cover and ensures continuity of cover on past completed projects. This policy also ensures you don't forget to insure a project, leaving your business open to risk.

Have further questions?
Contact us at 1800 762 878

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