Our tailored insurance helps protect your projects, workforce, and financial security, ensuring business continuity from the foundation stage through to project completion.
Construction is one of Australia's highest-risk industries, with daily exposure to hazards involving people, property, equipment, and public spaces. From independent contractors to large-scale commercial builders, every project introduces new risks that need to be managed carefully.
At Angelic Insurance, we provide general advice to help you explore a range of construction-related insurance options. These may include public liability, contract works, tools and equipment cover, plant and machinery insurance, business interruption, and professional indemnity where relevant. We compare policy features from leading insurers so you can protect your operations without overspending.
Whether you're managing civil infrastructure, residential builds, commercial fit-outs, or specialised trades, we’ll help you find suitable cover that reflects your jobsite risks, contract requirements, and regulatory obligations.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Construction Industry Face and How We Help Solve Them.
In construction, every project carries risk, from on-site injuries and equipment theft to contract disputes and property damage. Managing these risks effectively helps keep your business strong, compliant, and ready for the next build.
Construction sites are high-risk environments. Falls, machinery accidents, or tool misuse can cause serious injuries to workers or subcontractors, leading to costly compensation claims and project delays.
We provide Workers Compensation and Management Liability cover options to help manage the financial impact of workplace injury claims while supporting safe work practices on every site.
Accidental damage to client property during building or renovation work can lead to expensive repair bills and strained relationships.
Our Public Liability cover options assist with legal and compensation costs if your work causes damage to client property, helping you maintain trust and stay financially secure.
Theft of tools and machinery is a common issue on construction sites, especially after hours. Replacing stolen equipment can be costly and delay ongoing projects.
We offer Tools and Equipment cover options that help pay for the replacement or repair of stolen or damaged items, so you can get back to work quickly.
Disagreements with clients, subcontractors, or suppliers can arise over timelines, costs, or workmanship. These disputes can result in legal costs or withheld payments.
Our Professional Indemnity and Contract Works Insurance options assist with the costs of defending and resolving disputes, helping you stay focused on completing projects successfully.
Events like fire, storms, or vandalism can damage partially completed structures, forcing you to redo work and absorb major financial losses.
We provide Contract Works cover options that help with the cost of repairing or rebuilding damaged works during construction, ensuring your projects continue without major setbacks.
When subcontractors make errors or cause damage, the principal contractor can still be held responsible. This can lead to disputes, legal costs, and unexpected expenses.
Our Public Liability and Management Liability cover options help protect your business from costs associated with subcontractor-related claims and provide peace of mind on shared projects.
Non-compliance with safety, building, or licensing regulations can result in fines, investigations, or loss of license, all of which can halt operations.
Our Management Liability cover options assist with the cost of defending your business during regulatory investigations or penalties, helping you stay compliant and operational.
Clients may hold your business responsible for structural issues, water damage, or construction faults that appear after completion.
We offer Professional Indemnity and Defects Liability cover options that assist with the costs of defending and settling workmanship-related claims, protecting both your reputation and your bottom line.
Why Do Construction Businesses Need Insurance Cover?
Construction sites face daily risks like injuries, equipment loss, and costly delays. Insurance helps protect your workers, tools, and business from unexpected setbacks.
Covers accidents or injuries that occur on-site.
Pays medical bills
Supports recovery time
Covers liability costs
Protects valuable tools and machinery from theft.
Replaces stolen gear
Covers repair costs
Minimises downtime
Covers income loss from weather or supply issues.
Reimburses lost income
Covers delay costs
Keeps jobs moving
Covers damage to client or third-party property.
Repairs damaged sites
Maintains client trust
Avoids costly claims
Supports team members hurt during construction work.
Covers medical care
Replaces lost wages
Promotes workplace safety
Protects against client disagreements or legal issues.
Covers legal fees
Resolves claim disputes
Reduces financial stress
Expert Assessment
Competitive Rates
24/7 Support
Why Do Construction Businesses Need Insurance Cover?
Construction sites face daily risks like injuries, equipment loss, and costly delays. Insurance helps protect your workers, tools, and business from unexpected setbacks.
Covers accidents or injuries that occur on-site.
Pays medical bills
Supports recovery time
Covers liability costs
Protects valuable tools and machinery from theft.
Replaces stolen gear
Covers repair costs
Minimises downtime
Covers income loss from weather or supply issues.
Reimburses lost income
Covers delay costs
Keeps jobs moving
Covers damage to client or third-party property.
Repairs damaged sites
Maintains client trust
Avoids costly claims
Supports team members hurt during construction work.
Covers medical care
Replaces lost wages
Promotes workplace safety
Protects against client disagreements or legal issues.
Covers legal fees
Resolves claim disputes
Reduces financial stress
Our proven six-step process ensures you get the right coverage at the right price
We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.
We prepare accurate data and highlight risk improvements already in place.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.
We place cover, issue certificates, and brief your team on notification procedures.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.
We map your operational risks to specific policy clauses, not just headings.
We benchmark limits and sub-limits against contracts and catastrophe scenarios.
We coordinate valuations, BI worksheets, and claims-readiness plans.
We explain what is and is not covered in clear language and document assumptions.
Hear From Families and Businesses Who Trust Angelic Insurance
Don't just take our word for it, hear from businesses and families. See what businesses and families say about working with us who've chosen Angelic Insurance and shared their own experiences about working with us.