Construction Insurance NZ
Liability cover for builders, civil contractors and construction companies — public liability, contract works, professional indemnity, statutory liability.
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Cover Construction Businesses Typically Need
Public Liability
Third-party injury or property damage on-site or in connection with your work. Limits typically run from $5m to $20m+ depending on contracts and exposures.
Contract Works (CAR/EAR)
Damage to the works in progress — fire, theft, weather, accidental damage. Almost always required for builders by head contractors and principals.
Professional Indemnity
Increasingly relevant where your contract requires design input, specification, project management or buildability advice — design-build, design-and-construct.
Statutory Liability
Defence and penalty cover for unintentional breaches of H&S, Building Act, RMA and employment law obligations.
Plant, Tools and Equipment
Owned and hired-in plant, tools, and equipment cover — accident, theft and breakdown.
Vehicles and Mobile Plant
Commercial motor for utes, trucks, trailers and registered mobile plant — placed alongside the broader package.
Construction Cover Through Our Insurer Panel
First Commercial Insurance Brokers Ltd (FSP748591) places construction-sector liability and contract-works cover with the insurers on our panel — we do not rank insurers.
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