Commercial Construction & Trade Insurance
Commercial Construction & Trade Insurance
We’ll check, compare, and make sure it does.
1. Request a Quote or Review of your Insurances
Fill out our simple form with your business details.
1. Get a Commercial Construction & Trades Insurance Quote
We’ll call you to discuss your options and prepare your insurance quote.
Tailored Insurance Solutions for Commercial Constructions & Trades
Construction insurance is complex — the right cover depends on your contract type, project value, and the specific risks on site. We know the market and we know construction. Options we can arrange include:
Construction & Contract Works
Refers to building or infrastructure projects carried out under a formal contract.
Construction Liability
Public Liability for builders, project managers, & designers.
Plant, Machinery & Tools
Protects construction equipment, machinery, and tools against damage or theft.
Workers Compensation
Covers work-related injuries/illnesses We quote for ACT, WA, NT, and Tasmania. All other states – talk to your relevant state authority.
Civil Construction Insurance
Insurance for businesses involved in earthworks, roads, and bridges. Cover varies significantly by project type & contract.
Professional Indemnity
Covers claims arising from professional advice, errors, or omissions. For designers, engineers, and project managers operating within a construction context.
Commercial Motor & Fleet
Insurance for business vehicles, from single units to large fleets.
Owner Builder Insurance
Protects owner builders during construction or renovation projects.
Builders Warranty Insurance
Covers faulty work or non-completion (applicable by state).
Why Businesses Choose Sirius
Your Business Deserves Expert Protection
Access to Multiple Insurers
We compare policies relevant to your business and its operations from leading Australian and global insurers to find the best cover at the most competitive price for your assets.
Competitive Pricing
Commercial insurance pricing moves with market conditions. We monitor the market on your behalf and will tell you honestly whether now is the right time to review your cover or stay put.
We Know Your Business
We specialise in commercial and business insurance. That means when we talk to you, we already understand the risks your business faces. We’ll ask the right questions to understand what makes your business unique, and match cover to what actually matters.
Full Claims Support
Making a claim means something has already gone wrong — the last thing you need is to navigate an insurer on top of it. So, when you need to make a claim, we manage the process from lodgement, discussions with the insurer to settlement so you can focus on getting back to work.
Frequently Asked Questions
Commercial Construction & Trade Insurance FAQ
What’s the difference between Construction Works insurance and Public Liability?
These are two separate covers that work together on a construction project. Construction Works (also called Contract Works) insurance covers physical loss or damage to the project itself — materials, temporary works, and the structure under construction. Public Liability covers your legal liability if a third party is injured or their property is damaged as a result of your operations. Most commercial contracts require both, and they’re typically arranged together.
Am I responsible if a subcontractor on my site causes damage or injury?
Potentially, yes. As the principal contractor, you can be held liable for incidents involving subcontractors on your site, particularly if they don’t hold adequate insurance of their own. We can advise on how to structure your cover to address this exposure, and what to require from subcontractors as a condition of engagement.
Does my insurance need to match my contract requirements?
Yes — and this is one of the most common gaps we find. Many commercial construction contracts specify minimum liability limits, required cover types, and insurer approval conditions. If your policy doesn’t meet those requirements, you may be in breach of contract and unprotected in the event of a claim. We review your contract requirements as part of every quoting process you undertake.
What is Builders Warranty Insurance and do I need it?
Builders Warranty Insurance protects homeowners against faulty or incomplete work if a builder dies, disappears, or becomes insolvent. It is a statutory requirement for residential building work above certain thresholds, and the rules — and who can arrange it — vary significantly by state. In some states it is government-managed and not broker-placeable. We can confirm what applies in your state and point you in the right direction.
How much will construction insurance cost and how long will it take to get a quote?
Premiums vary based on the type and value of the project, contract structure, trades involved, claims history, and duration of works — every construction project is different, so there’s no one-size-fits-all answer. Timeframes depend on the complexity of your risk and the information available. Once we understand your situation we’ll move as fast as we can — and if you’re working to a deadline, tell us upfront. Fill out the form above to get the process started.
Construction Costs Have Changed. Has Your Cover Kept Up?
Rising material and labour costs mean the project you insured last year may be significantly undervalued today. A shortfall at claim time can be costly.
General Advice Warning The information provided on this page is general in nature and has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any decision about an insurance product, you should consider whether the information is appropriate for your circumstances and obtain and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Sirius Insurance Pty Ltd (AFSL 550946) acts as your insurance broker and sources policies from a range of insurers on your behalf. We do not act for any insurer.