Contract Works Insurance

Comprehensive protection for construction projects—get peace of mind with Contract Works Insurance from Clarke Lyons Insurance.

Construction sites are full of risks. From accidental damage and theft to weather events and third-party injuries, even the best-run building project can face unexpected setbacks. Whether you're a builder, contractor, or property developer, protecting your site and liabilities is essential.

At Clarke Lyons Insurance, we offer flexible and reliable Contract Works Insurance to safeguard your construction projects from start to finish.

What is Contract Works Insurance?

Contract Works Insurance (also known as Construction Insurance) is designed to cover building and civil engineering projects during construction. It protects against physical loss or damage to the works, materials, and equipment—whether from natural disasters, theft, fire, vandalism, or accidents on site.

Cover can include:

Material Damage – Covers loss or damage to the construction site, including the building works, materials, and tools.
Public Liability – Covers injury or property damage to third parties caused by your work or people on-site.
Existing Structures (optional) – For renovations or extensions, covers damage to the original building.
Hired-in Plant & Equipment – Covers loss or damage to hired machinery and tools.
Employee Tools (optional) – Protects subcontractor or employee tools on-site.
Delay in Completion (optional) – Covers financial losses due to project delays caused by insured events.

Who Needs Contract Works Insurance?

Contract Works Insurance is vital for:

Residential & commercial builders
Owner-builders and property developers
Civil construction and infrastructure contractors
Subcontractors involved in specific works (e.g., electrical, plumbing, carpentry)
Renovation and extension projects
Construction businesses operating across multiple sites

Whether you're building a new home, refurbishing a retail space, or undertaking large-scale civil works, you need contract works cover to avoid financial loss during the build.

Real-World Scenarios Covered

A storm damages partially completed works and stored materials
Vandals break in and destroy site equipment
A crane accident causes structural damage
A member of the public is injured while walking past your site
Fire breaks out during fit-out, halting construction

Without adequate insurance, these incidents can result in major project delays, cost blowouts, and legal liability.

Why Choose Clarke Lyons for Contract Works Insurance?

Tailored Cover – We customise policies for the size, type, and duration of your project
Annual or Single Project Policies – Whether it’s a one-off build or multiple jobs per year, we’ve got you covered
Specialist Construction Knowledge – We understand building contracts, risks, and compliance obligations
Quick Turnaround – Get fast, competitive quotes so you can get started on-site sooner
Top-Rated Insurers – Access to Australia’s leading construction insurance providers
Claims Support – If something goes wrong, we help manage the process quickly and professionally

Combine with Other Key Policies

For complete construction industry protection, ask us about bundling with:

Tool and Equipment Insurance
Workers Compensation
Professional Indemnity (for design & construct projects)
Management Liability for construction businesses
Commercial Motor Insurance for vehicles and machinery

Request a Quote Today

Whether you're a sole trader or large construction firm, Clarke Lyons Insurance will find the right Contract Works Insurance for your next project. Call, email or fill out our online form to request a Contract Works Insurance quote today.

Clarke Lyons Insurance – Building confidence into every construction project.

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