Allrisk Insurance

... because there are lots of things that can go wrong on any project.

Public Liability

Covers your legal liability to pay compensation to others for personal injury or property damage arising from your project.

For example, this could be:

a visitor to the site falling over a pile of bricks or hurting himself on building materials

a workers compensation insurer suing the owner builder for injury to a contractor

a fire started from hotworks and spreading to the next door neighbour's house.

NB: We strongly recommend that you buy workers compensation insurance to cover contractors who may be deemed to be your worker. Public liability insurance cannot cover workers compensation liabilities.

Damage to the Project

Covering accidental and unforeseen damage to your project, such as:

bushfire, fire, arson

storm, water damage, flood, burst pipes

vandalism and theft of building materials

earthquake, lightning

impact from a vehicle running off road

tree branches falling onto the property

and more ...

... including sudden & accidental damage neither expected nor intended by you.

Damage to Building Materials in Store

Covering materials at the manufacturers awaiting transport to your site (e.g. if the manufacturer passed title to you upon payment, while still in the manufacturer's care).

Transit Covering materials (but not transportable or moved homes) while in transit to your site.

Theft of Building Materials or Your Tools

While on your site waiting for installation.

Volunteers' Loss of Income

If injured while helping you out on the project.

Workers' Compensation Covering your responsibility under your State's workers' compensation act. Even though contractors aren't your employees, they may be considered to be your workers for the purpose of the act if they're sole traders (or partnerships), or if they are sub-contractors working for your contractors, and are not correctly insured by the contractor.

Below is a list of these topics and you can use this Table of Contents to jump to the part that interests you the most.

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