Business insurance

Insurance For Building and Home Renovators

Compare business insurance built around the real risks building and home renovators face — and line up the right cover before your renewal.

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Australian trades

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Aussie-based

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How it works

Matched to the right broker in minutes

1📝

Tell us what you need

A few details about your business and the cover you need. Takes under a minute.

2🤝

We match you

We line you up with the right vetted broker for building and home renovators and your risks — no guesswork.

3🛡️

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 Building and Home Renovators

Renovation work carries layered risk: you're working in an occupied home, around existing structures and services, with the chance of damaging what's already there. Public liability is essential, and contract works or construction cover protects the renovation itself. Home-warranty or builder's-warranty insurance is required for residential work above the threshold in your state, and workers' compensation applies if you employ trades.

With a typical premium around $1,200 for core cover and policies commonly renewing near 30 June, it's worth reviewing before the new financial year. Cockatoo helps you compare and matches you to the right insurance partner for a renovation business.

Common questions

Building and Home Renovators — insurance questions

What insurance does a renovation builder need?

Public liability and contract works or construction cover are the core, given you're working in and around an existing, occupied home. Home-warranty or builder's-warranty insurance is required for residential work above your state's threshold, and workers' compensation applies if you employ trades or apprentices. Tool cover is also common.

Does working in an occupied home change my cover needs?

It heightens the public liability and property-damage exposure, because the owner, their belongings and the existing structure are all present while you work. Good public liability cover and care in managing access, dust and services help protect both the client and you. Cockatoo can match you with an insurer who understands renovation risk.

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