Construction Insurance Australia Wide

Finding the right insurance for your construction business or owner builder project can be time consuming and difficult. Shielded Insurance has a team of dedicated construction and trades risk insurance advisors ready to assist and tailor a policy to suit your needs.

1800 97 98 99

Trusted by 30,000+ clients Australia-wide

We aim to answer all calls within 3 seconds

Backed by our Price Promise

Builders Insurance, Contract Works, Public Liability, Plant and Equipment, Tools of Trade, Workers Compensation, Professional Indemnity, and more.

Shielded Insurance industry awards and recognitions

Get a construction quote

Free, no obligation. Same-day quotes available.

Cover options you want:

4.9 from 12,000+ reviews · #1 Top Brokerage 2025

Online construction quotes

Start your quote online, or speak to our construction team.

Annual Construction

Get a quote for your annual construction insurance policy.

Quote online

Owner Builder

Get a quote for your owner builder construction insurance policy.

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Construction Cover fast and easy

Get a quote fast. Compare quotes from multiple insurers. Get the best deal for your construction industry insurance.

Builder doing construction

How do you get started?

Three steps, and we do the legwork.

1

Start a quote.

Fill the quote form above, or call us on 1800 97 98 99.

2

We compare the market.

We gather quotes and help you compare cover for your construction business or project. Same-day quotes available.

3

You're covered.

Pick the option that suits and we handle the paperwork.

Why choose Shielded

Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.

Construction specialists

Our team are professional and experienced in construction industry insurance.

Award-winning & highly reviewed

Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.

We handle renewals

We manage your renewals and keep your cover up to date as your operation changes.

In your corner at claim time

Notify a claim 24/7. Our claims team is here to help.

“The claims experience was made so easy.” – Scott B., Google review

What our clients say about us

Reviews from Shielded clients across Australia.

Cover Options

Construction cover options for your business and your projects.

Material Damage

Protection for your construction materials and equipment.

Discuss cover

Public Liability

Protection for third party property damage or personal injury.

Discuss cover

Plant and Machinery

Protection for your plant and machinery on site.

Discuss cover

Commercial Motor

Protection for your commercial vehicles and fleet.

Discuss cover

Personal Accident

Protect your income from injury or sickness.

Discuss cover

Workers Compensation

Protection for your employees and workers.

Discuss cover

Construction insurance at a glance

Reviewed by Joshua Scutts, Shielded Insurance Brokers · Updated November 2026 · General information only

Annual construction
Cover for builders and trades and their projects.
Owner builder
Cover for an owner builder construction project.
Talk to our team
Call 1800 97 98 99 for help with your insurance.

Frequently Asked Questions

We know construction insurance and insurance for the trades industry.

What is construction insurance, and why do I need it?

Construction insurance is a specialised policy designed to protect builders, contractors, and tradespeople from various risks associated with construction projects. It covers damage to the site, materials, and third-party liabilities, ensuring that your business is safeguarded against unforeseen events.

What does a standard construction insurance policy cover?

A standard construction insurance policy typically covers contract works (including the structure under construction), public liability, materials and equipment, and potential financial losses due to project delays or interruptions.

Is public liability insurance included in construction insurance?

Yes, public liability insurance is often included or available as an add-on in construction insurance policies. It protects you against claims of property damage or personal injury caused by your construction activities to third parties.

Can I get coverage for tools and equipment under construction insurance?

Absolutely. Construction insurance can include coverage for your tools and equipment, protecting them against theft, damage, and loss while on-site or in transit.

What is contract works insurance?

Contract works insurance covers the structure being built, renovated, or extended against risks such as fire, theft, or storm damage during the construction period. This coverage is crucial for ensuring the project can continue or be rebuilt if an incident occurs.

Who needs construction insurance?

Construction insurance is essential for builders, contractors, subcontractors, and tradespeople involved in construction projects. It’s also recommended for property owners and developers to protect their investments.

How does Shielded tailor construction insurance policies?

Shielded offers customisable construction insurance policies to meet the specific needs of your project. Whether you're working on a small renovation or a large-scale construction site, we can tailor coverage to include contract works, public liability, plant and equipment, and more.

What is the difference between annual and single-project construction insurance?

Annual construction insurance covers multiple projects over the course of a year, making it ideal for contractors with ongoing work. Single-project insurance, on the other hand, is designed for one specific project, providing coverage only for the duration of that project.

Can I insure residential and commercial construction projects?

Yes, Shielded offers insurance solutions for both residential and commercial construction projects. Our policies can be customised to meet the distinct needs of each type of project, from small home renovations to large commercial developments.

What is tradesperson's insurance, and how does it relate to construction insurance?

Tradesperson's insurance is a type of construction insurance tailored specifically for tradespeople. It typically includes public liability, tool and equipment cover, and income protection, ensuring that tradespeople are fully covered while on the job.

Do I need construction insurance if I’m only a subcontractor?

Yes, subcontractors should have construction insurance to cover their specific responsibilities on a project. This includes public liability and coverage for tools and equipment, protecting against potential risks and liabilities while working on-site.

What is the difference between construction insurance and builder's warranty insurance?

Construction insurance covers the project during the build, protecting against risks like theft, fire, or storm damage. Builder's warranty insurance, on the other hand, provides coverage after the project is completed, protecting homeowners against defects or incomplete work.

Does construction insurance cover project delays?

Yes, construction insurance can include coverage for project delays caused by insured events such as weather damage or theft. This helps mitigate financial losses and keeps your project on track.

Why choose Shielded for construction insurance?

Shielded offers comprehensive, customisable construction insurance tailored to your specific needs. With a dedicated team of experts, we ensure that you have the right coverage at competitive rates, providing peace of mind throughout your construction projects

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