Single Project Insurance: When It Beats an Annual Policy
What Is Single Project Insurance? Who Buys Single Project Cover and Who Does It Protect? How Single Project Insurance Is Priced When Single Project Insurance Beats an Annual Policy You're Taking On One Large or Unusual Job The Contract Requires Dedicated Limits The Project Is Outside Your Normal Scope You're a One-Off or Occasional Builder […]
Insurance for Construction Companies: What NSW Builders Need
A NSW builder’s insurance rarely fits into a single policy. The risks on a knock-down rebuild in the inner west look nothing like the risks on a commercial fit-out, and the cover that responds to storm damage on an open frame is not the cover that responds when a member of the public is injured […]
Insurance Broker Fee vs Commission: What You Are Paying
How Insurance Brokers Get Paid Commission-Based Brokers Fee-Based Brokers What the Difference Means for You Disclosure Is Not Optional Commissions, Fees, and Conflicts of Interest Brokers vs Direct Insurance Platforms How ABS Insurance Brokers Handles Remuneration Questions to Ask Your Broker About Fees and Commissions FAQs The Bottom Line When comparing insurance broker fees vs […]
Construction Insurance in Australia: Covering Your 2026 Projects
Every project you take on in 2026 carries risks that sit outside your control. A storm damages framing before the roof goes on. Materials disappear from a locked site overnight. Someone is injured on your site and the claim lands at your door. Construction insurance exists to absorb those events so a single incident does […]
Installation Floater Insurance for Australian Builders
What Is Installation Floater Insurance? Who Needs an Installation Floater? Mechanical and Electrical Contractors Builders Working with Prefabricated Components Fit-Out and Refurbishment Contractors Subcontractors Supplying and Fixing How Installation Floater Insurance Differs from Contract Works Cover What an Installation Floater Policy Typically Covers Key Factors That Affect the Premium Why Use a Broker for Installation […]
General Insurance Corporation vs a Broker: Who Works for You?
An insurance broker vs insurance company comparison starts with who arranges cover and who carries the risk. A broker helps a client compare and arrange policies; the insurer issues the policy and assesses claims under its wording. Before buying, check the insurer on APRA’s register of general insurers and ask your broker to explain the […]
Public Liability Insurance Cost Australia: 2026 Pricing Guide
What Is Public Liability Insurance and Why Does It Matter? What Affects Public Liability Insurance Cost in Australia? Your Industry and Trade Your Annual Revenue and Turnover The Level of Cover You Choose Your Claims History Where You Work The Number of Employees and Subcontractors Why Generic Price Estimates Fall Short What a Standard Public […]
Code Compliance and Commercial General Insurance: A Broker’s Checklist
Commercial general insurance is the label lenders, landlords and contract principals usually have in mind when they ask a business to prove it is properly covered. In practice it is a collection of covers rather than a single product. Business insurance, also known as commercial insurance, is intended to help protect a business from certain […]
General Insurance Code of Practice Claims for Small Business
General Insurance Code of Practice claims are handled under standards that apply to insurers that have adopted the Code, subject to its scope and exceptions. For a small business, the Code can help clarify expected communication, timeframes and complaint steps. Check the current Insurance Council Code of Practice and the policy terms before relying on […]
What Is Builders Risk Insurance and Do Australian Builders Need It?
The American Term and Its Australian Equivalent What Does This Cover Actually Protect? What Is Not Covered Do Australian Builders Legally Need It? Contractual Requirements Mandatory Insurance vs Contract Works Owner Builders How Project Characteristics Affect Your Cover What Other Insurance Do Builders Need Alongside Contract Works Cover? Why the Terminology Gap Matters for Australian […]