🏗️Trades & Contractors

Public Liability Insurance for Builders

Building sites involve constant risk of property damage and third-party injury. Our specialist builders insurance protects your business from costly claims while meeting NZ regulations and client requirements.

✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $800💡 Free Expert Advice✓ No Obligation

✅ What's Covered for Builders in NZ

Legal costs for defending claims

Compensation payouts to injured third parties

Property damage caused by your work

Personal injury liability on building sites

Emergency medical expenses for on-site injuries

Remedial costs for defective workmanship

Temporary structures and protection costs

Typical NZ Premium

$800 – $2,000/year

Cover limits: $1M, $2M or $5M

Get My Quote →

⚠️ Key Risks Facing Builders in NZ

Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by builders in New Zealand:

01Damage to client property while working on-site

02Injury to third parties (pedestrians, neighbours, site visitors)

03Defective workmanship claims and remedial costs

04Injury to workers on your building sites

05Structural damage from dropped tools or materials

06Weather damage during construction

07Liability during renovation or demolition work

08Site accidents involving machinery and equipment

Frequently Asked Questions

Do I need public liability if I'm a sole trader builder?

Yes. Most building contracts and councils require proof of public liability insurance before you can start work. It protects you if your work causes injury or property damage.

Are defects and remedial work covered?

Coverage depends on your policy. Some policies exclude defective workmanship, but cover can include remedial costs resulting in injury or third-party property damage.

What if I work at height or use scaffolding?

Standard policies cover these activities. However, high-risk work like roofing or crane operations may need specific exclusions or higher premiums. Discuss with your insurer.

Does the cover apply to subcontractors I hire?

Your policy covers your own liability. Each subcontractor should have their own insurance. Always check they're insured before engaging them.