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More comprehensive & more competitive cover than ever before

Cover designed to protect your builds and business by industry experts

What is Platinum Construction Works, Public & Product Liability Insurance?

This policy covers licensed builders, tradies or subcontractors’ responsibilities to insure loss or damage to the build project along with your legal and contractual obligations. The cover also includes items on-site that are being used as part of the build project. This cover is available for both residential and commercial builders and is tailored to suit the projects that are undertaken.

By choosing our Platinum Construction Works, Public & Product Liability Cover, you are minimising the risk of being out of pocket if a covered event occurs. 


Events insured

The two areas of cover within this policy explained. 

Subject to the full terms, conditions and limits of the policy, cover is for:

Constructions Works


Material Damage

Existing Structures

Display Homes

Protection for the insured contracts from covered events including fire, theft, water damage, flood, malicious damage, storm and cyclone, landslip and earthquake, and errors in workmanship. 

Cover that extends to protect existing dwellings when you are renovating or building an adding in line with the sub-limits and the terms and conditions. 

Automatic cover on display homes up to $1.5 m. With a limit of $500k on buildings, $50k for contents, and $10k for art during the insurance period.


Public & Product Liability 

Covers you for your legal liabilities in relation to the construction works during the job and after its completion.

Legal Claims

Cover for Business Premises

Third Party Property

Cover for legal expenses resulting from defending a claim, up to the limit of your liability cover. 

You are protected in the event of an accident occuring at your business premises such as your office, workshop etc. 

Automatic cover for property of others if an accident occurs. For example, a car is parked near the site and a forklift runs into it. 


Build Defects

Subcontractor Negligence

Rectification costs up to the limit of liability.

Cover for costs you may be charged due to a subcontractor's actions up to the liability cover limit. 


Your Platinum Exclusive Cover Benefits 


Existing Structure Cover

Automatic Contract Value Increase/Escalation

Removal of Debris

Protection for existing structures. For example, if you are renovating or adding to an exsiting home, you and the homeowner are covered for risks unrelated to your building activity. Including vandalism or natural disaster.  

Where, during the construction period there is an increase in value of an insured contract, the contract value will increase automatically. Limited to 15% of the contract value as specified in the schedule. 

You're convered for the demolition and disposal of contract works for up to 10% of the contract value. Including the removal of debris and slit, regaining access to the site and restoring work conditions. 


Professional Fees

Search & Locate

For example, if you need to re-engage an architect, the cost of this is covered up to 10% of the contract value. 

Cover for costs experienced to identify the cause of a defect or damage. Such as discovering why a drain is blocked or what's causing water damage to internal walls.  

Optional Extras

For those builds that require additional or specific cover. 

Extended Tool Cover

Registered Mobile Plant and Equipment Cover

Australia-wide tools of trade

Australia-wide cover for laptops, mobile phones and other registered equipment. 

This includes trailers, fork lifts etc. 

Cover for tools you use for the works. 


Why HIA Insurance Services

We only service the construction industry. We understand businesses like yours. 


Combined Strength

Designed for your Project & Business

By Your Side

HIA Insurance Services (HIAIS) was formed in 1984 and is the joint cventure between the Housing Industry Australia (HIA) and Aon. The joint venture provides HIAIS with the unique opportunity to leverage the buying power, insurance, governance and risk capability of Aon; while accessing HIA's deep knowledge of the housing industry. 

34 years of industry experience and specialised risk expertise has allowed HIAIS to design products that provide the construction industry with specific and comprehensive cover. 

Working in unison with both the HIA and Aon, HIAIS brings the highest level of expertise and resources to clients. With access to leading experts within HIA's legal and technical teams, HIAIS has a distinct edge in managing complex claims, and works to pursue a fast and positive settlement for you. 

Send us a message

Use the form below to send us a brief message and we'll email or call you back shortly, alternatively you can find and visit one of our offices in your state or territory.

New South Wales
4 Byfield Street
North Ryde NSW 2113
1300 200 201
1300 694 663
Level 2, 70 Jolimont Street
East Melbourne VIC 3002
1300 554 227
(03) 9654 3277
Level 1, 14 Edmondstone St
South Brisbane QLD 4101
1300 700 701
(07) 3255 3144
South Australia
HIA Building, Station Place
Hindmarsh SA 5007
1300 600 601
(08) 8340 7599
Western Australia
22 Parkland Road
Osborne Park WA 6017
1300 800 801
(08) 9443 8166
Level 10, 15 London Circuit
Canberra City ACT 2601
1300 400 401
(02) 6230 0541