This type of policy is tailored for professionals who both build and provide design services. It may respond to claims of financial loss caused by poor design, inaccurate documentation or professional oversight.
PI cover that recognises the hybrid nature of your role – for builders and contractors who both design and build. We compare the market so you don't have to.
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Our team specialises in insurance for professionals who both build and design, so your cover reflects both sides of your business.
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We manage your renewals and help you understand where your PI cover starts, where public liability ends, and which gaps need attention.
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Real reviews from builders, developers and construction clients we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“Dealt with Leigh, I found him very helpful, very knowledgeable and professional. You can see he has industry knowledge from his construction background. Best suited person for best job. I didn't have to shop around, I knew I was well looked after. Thanks Leigh.”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“Professional & Thorough are the 2 words to describe my dealings with Toby from Shielded Insurance regarding setting up my most recent construction policy. As my policy was not so straight forward, Toby took the time and had the patience to understand my particular situation and ensured that the cover was best suited to my needs. Thank you Toby”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“Leigh Cartwright was incredibly helpful. He is extremely knowledgeable about the insurance I was looking to buy (and the construction industry in general), and he is a great communicator; he took the time to make sure I understood everything involved, was extremely efficient with call backs and emails, and very personable in our conversations. I will be recommending him highly to anybody I can.”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“Leigh was exceptional and was able to assist me with my construction project when no one else could. After making a thousand calls to a thousand brokers all who said they could. I really wish I called Leigh and Shielded Insurance Brokers first! Give him a call he knows his stuff!”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“Great to deal with. Helped us obtain Contract Works insurance in a timely manner for our construction site that was no longer covered after builder took too long to construct and ended up going into liquidation.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Blake came with excellent solution and made it easy for us to arrange construction insurance.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Build the cover your business needs. Mix and match on one quote.
Claims alleging faulty design, incorrect advice, document errors or consumer law breaches, plus legal defence costs.
Quote D&C PIContract works cover for an annual construction program or a single project.
Quote project coverCover if your work causes injury or property damage to someone else.
Quote liabilityReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
Here are some common concerns for builders and contractors providing design input on construction projects.
This type of policy is tailored for professionals who both build and provide design services. It may respond to claims of financial loss caused by poor design, inaccurate documentation or professional oversight.
Yes. Standard PI policies for architects or engineers often exclude claims arising from construction activities. D&C policies are designed to bridge that gap by covering integrated design-build exposures.
Typical cover areas may include design flaws (claims alleging inadequate or faulty design that led to financial loss), incorrect advice given during the build, consumer law breaches such as misleading conduct or unmet consumer guarantees under the ACL, loss of or errors in drawings, plans or reports, copyright or IP breach, and legal defence costs – even if a claim is later withdrawn or resolved. Cover varies between policies, so we'll walk you through what each option includes.
One contractor was asked to provide a natural grey concrete floor. After installation, the client claimed the finish would reduce the home's value. While there was no physical damage, the client sought financial compensation. This type of dispute – about the quality of professional service, not bodily harm or property loss – is typically outside the scope of public liability, but could be covered under D&C PI insurance.
If you're legally liable for design outcomes – even if the work was subcontracted – then your policy may respond. It's important to review how subconsultants are treated in your cover.
Yes. Many commercial and government clients now include clauses requiring PI insurance for D&C work. Holding cover could also reduce disputes or delays in tender approvals.
From 1 July 2025, holding professional indemnity insurance became a legal requirement for certain construction professionals in New South Wales. Not sure if the law applies to you? Speak to the Shielded team about how these changes may affect your compliance obligations.
Yes. Tell us whether you need annual construction cover or cover for a single project when you request a quote, or let us know if you'd like advice on which suits your business.