Business insurance
Insurance For Builders
Compare business insurance built around the real risks builders face — and line up the right cover before your renewal.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right broker in minutes
Tell us what you need
A few details about your business and the cover you need. Takes under a minute.
We match you
We line you up with the right vetted broker for builders and your risks — no guesswork.
Get covered
Your broker takes it from there — quotes and cover, sorted.
What you get
Built around your business
- Public liability plus cover for the tools, vans, and job sites you rely on every day.
- Protection against on-site damage, injury, and third-party claims — the risks clients ask trades to carry.
- A renewal review timed before your policy rolls over, so you are not auto-renewed on a stale premium.
How it works
Simple next steps
- 1Tell us your trade, the gear you carry, and when your cover renews.
- 2We match you to a broker who insures hands-on trades every day.
- 3You compare the cover and only switch if it beats what you have.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business insurance
Insurance for Builders
Builders carry broad risk — the site, the workers, the structure and the client relationship are all on the line. Public liability is essential, and most builders also need construction or contract works cover for the project itself, plus the relevant home-warranty or builder's-warranty insurance required for residential work in your state. If you employ trades or apprentices, workers' compensation is required.
With a typical premium around $1,200 for core cover (project and warranty cover can sit separately) and policies commonly renewing near 30 June, it's worth a review before the new financial year. Cockatoo helps you compare and matches you to the right insurance partner for a building business.
Common questions
Builders — insurance questions
What insurance does a builder need?
Core cover usually includes public liability and construction or contract works insurance for the project, alongside the home-warranty or builder's-warranty insurance required for residential work in your state. Workers' compensation is required if you employ trades or apprentices. Tool and equipment cover is also common.
Why does residential building need warranty insurance?
Most Australian states require home-warranty or builder's-warranty insurance on residential work above a set value to protect the homeowner if the builder can't complete or rectify the work. The exact scheme and threshold vary by state, so it's worth confirming the requirements where you build. Cockatoo can match you with an insurer who handles builder cover.
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