Business insurance
Insurance For Patio Builders
Compare business insurance built around the real risks patio builders face — and line up the right cover before your renewal.
Trusted by 1,200+
Australian trades
Cancel anytime
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 patio 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 Patio Builders
Patio building carries construction liability — you are working at heights, pouring footings, handling steel and roofing and building a permanent structure on a client's property, so a collapse, a fall or property damage is a genuine exposure. Public liability is the core cover, alongside contract works or construction cover for the structure while you build it, tool and plant cover, and vehicle cover. If you have employees or subbies, workers' compensation is required.
Because you are leaving behind a permanent, load-bearing structure, it is also worth considering cover that responds to defects or completed-work claims. Premiums for a small patio building crew often sit around the ~$1,200 mark, and with many trade policies renewing around 30 June, it pays to review your cover before the new financial year so a damaged roof or a site mishap does not come straight out of your margin.
Common questions
Patio Builders — insurance questions
What insurance does a patio builder need?
Public liability is essential because you build permanent structures on clients' properties while working at heights, and contract works cover protects the build in progress. Tool, plant and vehicle cover protect your gear, and with staff, workers' compensation is legally required.
Am I covered if a structure I built has a problem later?
Public liability covers accidental damage and injury, but defects in a completed structure may need specific completed-works or warranty consideration. Reviewing this before your 30 June renewal helps ensure a later claim on a patio you built does not fall into a gap in your cover.
More for Patio Builders
Other ways we help
Business finance
Business Loans For Patio Builders
Working capital, equipment, and growth finance for patio builders — matched to your revenue and time trading, not a generic credit score.
View business loansGet found and win work
Marketing For Patio Builders
Everything patio builders need to get found and win work online — websites, SEO, Google Ads, and logo design.
View marketingAutomation & AI agents
AI For Patio Builders
Put AI to work for patio builders — automate the busywork, answer enquiries around the clock, and free your team for the jobs that pay.
View aiGet matched to the right broker
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.