30 plain-English guides covering home warranty, public liability, construction risks and subcontractor liability. Real 2026 premium data.
Whether you're getting your first policy or reviewing your coverage stack — we've got a guide for that.
Home warranty, contract works, construction site liability for residential and commercial.
10 guides →Public liability, PI, tools cover, workers comp — what each policy covers for builders.
8 guides →NSW Fair Trading, QBCC, VBA — state-by-state builder licence insurance rules.
5 guides →Real 2026 premium ranges for different builder categories and project sizes.
6 guides →Principal contractor liability, subcontractor insurance, who's responsible for what.
4 guides →Defective work claims, construction disputes, risk mitigation for builders.
3 guides →Explains when eligible Western Australian homeowners may be entitled to up to $40,000 for lost deposits and up to $200,000 for incomplete or defective work if their builder dies, disappears or becomes insolvent.
Read this guide →Fresh, comprehensive guides guides with 2026 premium data and state-specific requirements.
Explains when eligible Western Australian homeowners may be entitled to up to $40,000 for lost deposits and up to $200,000 for incomplete or defective work if their builder dies, disappears or becomes insolvent.
Unregistered Victorian building work valued over $10,000 is not covered by domestic building insurance; Photo ID and disciplinary-register checks help assess the risk.
Explains why the QBCC limits cost-plus residential contracts to defective-work claims and does not cover non-completion under those contracts.
Explains that carpenters and bricklayers do not currently need an ACT construction licence and compares them with licence-required trades.
Identifies the three prohibited clauses in Victorian major domestic building contracts and the required plans-and-specifications completion wording.
Explains that eligible Northern Territory fidelity fund claims may be made within 90 days under reforms applying only to certificates issued after 30 March 2026.
Explains when eligible Western Australian homeowners may be entitled to up to $40,000 for lost deposits and up to $200,000 for incomplete or defective work if their builder dies, disappears or becomes insolvent.
Read guide →Unregistered Victorian building work valued over $10,000 is not covered by domestic building insurance; Photo ID and disciplinary-register checks help assess the risk.
Read guide →Explains why the QBCC limits cost-plus residential contracts to defective-work claims and does not cover non-completion under those contracts.
Read guide →Explains that carpenters and bricklayers do not currently need an ACT construction licence and compares them with licence-required trades.
Read guide →Identifies the three prohibited clauses in Victorian major domestic building contracts and the required plans-and-specifications completion wording.
Read guide →Explains that eligible Northern Territory fidelity fund claims may be made within 90 days under reforms applying only to certificates issued after 30 March 2026.
Read guide →Explains whether the practitioner or property owner must have at least $5 million in Public Liability and Products Liability cover for gratuitous electrical work, plus the licence, CEC and recordkeeping rules.
Read guide →Compares Tasmanian Builder Domestic and Low Rise scopes and explains the shared 2-year-with-qualification or 4-year-without supervised-experience pathway.
Read guide →A Northern Territory electrical contractor licence requires at least $5,000,000 in public and products liability insurance, plus experience, approved contractor-course and nominated-person requirements.
Read guide →Explains NT principal contractor exposure to subcontractor worker claims, practical cover checks, and the distinction between claim costs and company penalties.
Read guide →Explains that NT guidance does not require fidelity fund certificates for prefabricated houses or flats greater than three storeys.
Read guide →A proposed new builder taking over permitted work before completion must obtain HII for the proposed work or required stage and provide the owner with a copy of the certificate.
Read guide →A Western Australian owner-builder intending to sell within seven years of permit grant must obtain HII and provide the certificate to the prospective purchaser before settlement.
Read guide →Victorian implied building warranties can transfer to a buyer when the property is sold within 10 years of completion.
Read guide →A Victorian major domestic building contract below $1 million generally cannot use cost-plus pricing, except for narrow investigative work before a fixed-price contract covers the remaining work.
Read guide →Victoria requires a written major domestic building contract when listed major domestic building work is worth more than $10,000, including renovations, extensions and demolition.
Read guide →A summary of listed South Australian builder expiation fees of $5,000 for key breaches and $20,000 for building work without required BII from 15 January 2026.
Read guide →Consumer and Business Services states that the maximum deposit for South Australian domestic building work costing $20,000 or more is 5% of the contract price.
Read guide →Explains the usual five-year window for South Australian BII defective-work claims and why an insured loss should be reported to the insurer first.
Read guide →Explains the $20,000 building indemnity insurance threshold and the certificate steps required before domestic building work starts in South Australia.
Read guide →Explains the QBCC's 1:1 current-ratio minimum and $0 NTA baseline, including how working capital affects maximum revenue.
Read guide →Compares the $150,000 QLeave threshold excluding GST with the more-than-$3,300 home warranty threshold including GST and explains why calculation order does not change the result.
Read guide →Explains QBCC's around-8-week planning guide and the financial, qualification, experience, assessment, form and payment issues that can lengthen processing.
Read guide →Compare QBCC contractor, nominee supervisor, site supervisor and occupational licences by contracting rights, supervision scope and trade-licensing limits.
Read guide →Explains why a Queensland company ordinarily needs its own QBCC licence for building work over $3,300, even when an employee or director is licensed.
Read guide →Explains when a Queensland handyman may not need a QBCC licence for building work valued at no more than $3,300, including the electrical, plumbing and occupational-licence limits.
Read guide →Explains the QBCC no-licence entries for own-property work valued at no more than $11,000 and for an owner-builder carrying out building work under a permit.
Read guide →Explains when NSW carpentry work valued at more than $5,000 in labour and materials, including GST, needs a contractor licence, what it covers and what applies if it is unlicensed.
Read guide →NSW specialist work requires a licence or certificate regardless of cost, while the general residential threshold is more than $5000 in labour and materials including GST.
Read guide →Service NSW requires a current National Police Check certificate for a name-and-date-of-birth check only, with no age over 4 months at application submission.
Read guide →Explains NSW's annual CPD renewal condition and the diary and supporting evidence individual building and swimming pool building licence or certificate holders must keep.
Read guide →Explains SIRA's rule that the values of multiple contracts are added together when applying the NSW $20,000 including GST HBC threshold.
Read guide →Explains that NSW licence and certificate applications can use 1, 3 or 5 year terms, how to renew, and why they are not HBC cover periods.
Read guide →Explains when an NSW job over $20,000 including GST requires HBC cover, why at least $340,000 must be held, and what must happen before payment or work starts.
Read guide →Section 47 requires an ACT construction occupations licensee working for a client to show their insurance even if the client has not asked.
Read guide →Explains why the lowest of at least 3 ACT builder quotes is not automatically best value, and how plans, inclusions and written variations reduce the risk of substitutions and cost disputes.
Read guide →ACT builder advertising must show the exact name and licence number recorded on the licence, while a corporation must also show its ACN.
Read guide →ACT builders must report listed licence-detail changes within two weeks, including address, email, phone, name and relevant director or partner changes.
Read guide →Explains that ACT rectification action may be taken for up to 10 years after construction completion and who may still be reached after deregistration.
Read guide →Explains that QBCC insurable value combines materials, labour and GST, excludes the QBCC premium, and is used to apply the current premium table.
Read guide →Explains which ACT residential building jobs require cover, who provides it, what it covers and the 180-day claim limit applying from 1 January 2025.
Read guide →Explains SA's $20,000 BII threshold from 10 November 2025, core cover, policy limits and QBE's separate 9% eligibility-limit increase on 1 July 2026.
Read guide →Explains how Victorian contract and cover dates affect whether DBI or Home Warranty may apply, including the $16,000 and $20,000 value thresholds.
Read guide →NT.GOV.AU reports a $25,000 minimum prescribed value for certificates issued after 30 March 2026 (NT.GOV.AU, checked 1 October 2026), with practical scope, builder duties and claim guidance.
Read guide →A straight‑talking guide for licensed Australian builders on mandatory home building compensation, public liability, contract works, workers compensation and extra cover that suits your construction trade.
Read guide →BizPack bundles public liability, professional indemnity, and more into one policy. But is it the right call for Australian builders in 2026, or are standalone policies better value?
Read guide →Comprehensive guide to insurance for builders doing commercial fit-outs for Australian builders in 2026.
Read guide →Comprehensive guide to builder insurance faq: 15 questions registered builders ask most for Australian builders in 2026.
Read guide →Comprehensive guide to builder insurance for heritage and conservation projects for Australian builders in 2026.
Read guide →Comprehensive guide to builder insurance for multi-unit developments and subdivisions for Australian builders in 2026.
Read guide →Every state sets different insurance rules for builders. A practical breakdown of licensing and mandatory insurance requirements across NSW, VIC, QLD, WA, SA, TAS, ACT, and NT.
Read guide →Comprehensive guide to builder insurance requirements in nsw for Australian builders in 2026.
Read guide →Comprehensive guide to builder insurance requirements in queensland (qbcc) for Australian builders in 2026.
Read guide →Comprehensive guide to builder insurance requirements in victoria (including dbi) for Australian builders in 2026.
Read guide →Comprehensive guide to builder insurance in wa, sa, tas, act and nt for Australian builders in 2026.
Read guide →Comprehensive guide to builder professional indemnity: nsw july 2026 mandate for registered practitioners for Australian builders in 2026.
Read guide →Comprehensive guide to builder's risk insurance (construction all-risk) explained for Australian builders in 2026.
Read guide →Comprehensive guide to construction site insurance: what the head contractor must arrange for Australian builders in 2026.
Read guide →Your construction safety record directly impacts what you pay for insurance. Learn how insurers assess site safety and the practical steps to lower your premiums.
Read guide →Your 2026 guide to contract works insurance for Australian builders — what it covers, what it excludes, how to calculate the sum insured, and common claims scenarios on site.
Read guide →Comprehensive guide to defect liability periods and insurance: what builders need after handover for Australian builders in 2026.
Read guide →Comprehensive guide to insurance for design-and-build contracts: when builders take on design risk for Australian builders in 2026.
Read guide →Comprehensive guide to home warranty insurance by state: what registered builders must have for Australian builders in 2026.
Read guide →Home warranty insurance is mandatory for Australian residential builders. Learn state-by-state thresholds, scheme names, certificate requirements, costs, and what happens if you skip it in 2026.
Read guide →Real 2026 cost ranges for builder insurance in Australia — public liability, contract works, professional indemnity, tools, and workers comp. What drives premiums and how to budget.
Read guide →Comparing builder insurance quotes isn't about finding the cheapest price. Learn how to assess excesses, sub-limits, exclusions, and policy conditions to choose cover that actually protects you.
Read guide →Comprehensive guide to owner-builder insurance: complete guide for diy home builders for Australian builders in 2026.
Read guide →Comprehensive guide to principal contractor insurance obligations on construction sites for Australian builders in 2026.
Read guide →Your 2026 guide to professional indemnity insurance for Australian builders — when you must have it, what it actually covers, state requirements, and the scenarios that catch builders out.
Read guide →Your 2026 guide to public liability insurance for Australian builders — state requirements, what's covered on residential and commercial sites, real cost ranges, and how to avoid gaps in your cover.
Read guide →Comprehensive guide to scaffolding, crane and heavy plant: builder insurance for high-risk activities for Australian builders in 2026.
Read guide →Comprehensive guide to subcontractor management: insurance requirements when you engage subbies for Australian builders in 2026.
Read guide →Who covers what on Australian construction sites? A practical breakdown of insurance responsibilities for head contractors and subcontractors, plus how to protect yourself when things go wrong.
Read guide →Your tools are your livelihood. Here's what tools and equipment insurance actually covers for Australian builders in 2026 — portable gear, fixed plant, theft exclusions, and how to get the sum insured right.
Read guide →Everything Australian building companies need to know about workers compensation insurance — state scheme rules, multi-trade site obligations, and how to get covered.
Read guide →Understand contract works insurance for Australian builders—what it covers during construction, how it differs from public liability, and when you might need a construction all risks (CAR) policy.
Read guide →A plain‑language overview of the state‑by‑state schemes residential builders need to know — when cover is required, how it works, and what to do next — from the general information team at BuilderCover.
Read guide →Compare policies from multiple Australian insurers. No cold calls, no lock-in contracts.
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