No. We’re an insurance intermediary (broker). We can act on your behalf — sourcing quotes, negotiating terms, and placing cover with licensed insurers.

How many quotes can I get?

Specialist cover is sometimes only offered by a small handful of insurers in Australia. We’ll approach relevant markets on your behalf, and if you would like any more options to consider please don’t hesitate to let us know. Many of these insurers work exclusively through brokers like us.

How do I start a quote?

Completing our online quote form is the quickest path to pricing. If anything’s unclear, let us know and we’ll talk you through it. Give complete, detailed answers to every question; the more context we have, the faster we can get you a quote.

How long does a quote take?

For straightforward applications, we can usually provide options right away during business hours. More complex projects may require follow-up questions and additional underwriting review, in which case the quote is typically available within one business day.

What’s the process if I want to accept a quote?

To proceed, either email us confirming you wish to accept, or complete payment through the secure link we provide. Cover begins only once the insurer issues formal confirmation, including a certificate of insurance.

When will I get a certificate?

Once cover is confirmed, the certificate of currency is generated promptly — usually sent to your email within 15 minutes to an hour. In occasional cases that require manual checks, it may take more time.

What if I change my mind?

Some policies include a cooling-off period — typically 14 to 21 days from the policy start date — during which you can cancel and receive a full refund, provided no claims have been lodged. Just let us know in writing within that window and we’ll arrange the cancellation and refund from the insurer. After the cooling-off period, standard cancellation terms and any applicable fees will apply.

How fast can I get a certificate of currency?

Once cover is bound, certificates are typically issued the same day.

What if work has already started?

Tell us in the form. Some insurers will still quote a project that is underway, though options narrow and site condition matters. The earlier you get cover in place, the better.

Does this cover my existing house during a renovation?

Not automatically. Existing structure cover is a separate section we can arrange alongside the works cover. Flag it in the form and we will include it in your options.

What information do I need to get a quote?

Project address, estimated project value, the type of works, and whether works have started. The form takes about a minute.

What is the difference between contract works and public liability?

Contract works covers damage to the thing you are building: the works, materials on site and in transit, and temporary works. Public liability covers your legal liability when your work injures someone or damages property belonging to someone else. They are different sections and most construction contracts require both.

Do I need an annual policy or single project cover?

If you run several jobs at once, an annual program is usually simpler and cheaper than insuring each one. A single project policy suits a one-off build, a joint venture, or a contract that requires cover in a particular name. We place both and will tell you which fits.

Does contract works cover the defects liability period?

It can, and most contracts require it. Defects liability cover is a separate extension with its own period, commonly 12 months from practical completion.

Can you name the principal or add joint insured parties?

Yes. Principals, developers, financiers and joint venture partners can be noted or named on the policy where the contract requires it. Send us the contract clause and we will make sure the wording matches it before the certificate is issued.

What public liability limit do I need?

Your contract or the principal usually specifies it. Twenty million is the most common limit, although lower limits are sometimes selected. Limits above twenty million are sometimes required for civil and infrastructure projects.

Are works performed by subcontractors covered?

Your liability policy generally responds to work performed on your behalf, but the detail matters, and subcontractors should carry their own cover. The split between employees, subcontractors and labour hire also affects your rating, so it is worth getting right at placement.

What if my project changes?

Please notify us as soon as any material change occurs — e.g., higher project value, extended timeline, or added complexity. We’ll update the insurer and confirm whether an adjustment is needed. If the change increases the risk or sum insured, the insurer may require an additional premium (and possibly revised terms) before the policy continues to apply.

Can I request a new certificate?

Yes. Lenders and other stakeholders often ask for an updated certificate of currency, and we can issue one on request. Just let us know the policy number and any specifics the bank requires; in most cases we can email the new certificate the same day.

What happens if the site is idle?

Most policies contain a Cessation or Abandonment exclusion: once work has been inactive for more than a set number of consecutive days (typically 30), any loss that occurs during that idle period is excluded, and all cover stops altogether if the project is deemed abandoned. If you expect a shutdown to run past that 30-day window, contact us before it happens. We can approach the insurer to seek an extension or special conditions. If the insurer agrees, it may be with an additional premium or revised terms.

How do I cancel my policy?

Just let us know — email us with your policy number and the requested cancellation date. After the cooling-off period, insurers generally keep the premium paid, but we’ll liaise with them to see if any refund or partial credit can be negotiated on a case-by-case basis.

What should I do if I have a claim?

Insurers often expect you to act as a "prudent uninsured"—that means taking reasonable steps to minimise loss, protect people and property, and preserve evidence, just as you would if you had no insurance to fall back on. Make the site safe and limit further loss. Take any reasonable steps to protect people and property—emergency repairs, securing the area, calling fire or other services if needed. Notify us as soon as possible. Email us with the details of what happened; include photos, invoices, witness details, and any other evidence you have. Preserve the evidence. Keep damaged items, site records, and phone footage available for inspection—they help the insurer investigate and recover costs from any responsible parties. Report theft or malicious damage to police immediately and give us the event number. Co-operate with the insurer’s assessor. They may inspect the site, ask follow-up questions, or request a statutory declaration. Contact details for claims are on your schedule; if you’re unsure, reach out to us and we’ll help you through the process.

What information will be required?

The insurer will need a completed claim form, your policy details, a clear description of the incident, any supporting evidence (photos, site records, invoices, or repair quotes), and any official reports if authorities attended. Exactly what’s required depends on the loss, so start with what you have, and the assessor will let you know if anything else is needed. Insurers require you to prove your loss—so the more detail and evidence you provide, the better.

How long does a claim take?

Timeframes vary with the complexity of the loss and how quickly the required information is supplied. Straightforward claims with complete documentation can settle quickly, while larger or contested losses may take more time. Supplying clear details and evidence up front speeds things up—and we stay on the insurer to keep the file moving and minimise delays.

Is Owner-Builder insurance the same as builders warranty?

No. Owner-Builder insurance is a construction-period policy—covering accidental loss or damage to the works (and, if selected, public liability) while you’re building. Builders warranty (often called Home Building Compensation, or statutory warranty insurance) is a post-completion cover that has a different scope. These are two different products, two different timelines, bought for different reasons.

Is Owner-Builder insurance the same as Home & Contents cover?

No. Home & Contents policies insure a finished dwelling and your personal possessions. Owner-Builder insurance instead protects the construction works (and, if selected, your legal liability) while the project is underway. If your standard Home & Contents policy is voided or suspended because of the renovation, you can often extend the Owner-Builder policy to include the pre-existing structure — the part of the home already standing before works — so it stays insured during construction. Contents themselves are typically outside the scope of an Owner-Builder policy, so you may need separate cover for those and if required a new Home & Contents policy once the project is complete.

Do you assist with Builders Warranty or Home & Contents insurance?

We specialise solely in construction-period cover. If you need Builders Warranty or Home & Contents insurance, we can connect you with brokers who handle those products.

Construction insurance broking

Building something? Let’s get you covered.

Specialist insurance options for builders, trade contractors, developers and consulting engineers across Australia.

Competitive premiums
Market-leading cover
Advice when you need it
Fast quotes

Start a quote

A minute of questions, then a specialist takes it from there

What do you need cover for?

Business insurance Ongoing cover for the work your business does — liability, contract works, tools and more. Pick this if you're not sure. Construction of one project Contract works and liability for a single build or contract, as the builder or developer. Building or renovating my home For owner builders — you hold the permit and run the build yourself.

About this project

Project type

Project address

Type and pick a match, or just type the full address.

Start date

Build time

months

Has any work on this project already started?

Yes No

Does this project involve:

Construction height above 6 storeys
Excavation, new or existing, deeper than 3 metres
Demolition of a structure over 10m, or more than 25% of the contract value
Underground works, other than foundations or basements
Civil works: roads, bridges, dams, pipelines or similar
Defects liability period over 12 months
Work on a heritage-listed building or site
Work in or around an airport, or on working railways or tramlines
Work in a mining or mineral processing plant
Work in an oil, gas or petrochemical plant, including service stations
Work on landfill or contaminated land, or applying waste or chemicals to land
Work in, under or over water

Yes No

A little about the business

Estimated annual turnover Required — slide to set

Roughly how does that split across your work?

Activity	Share
Total

About your project

Project type

Project address

Type and pick a match, or just type the full address.

Start date

Build time

months

Has any work on this project already started?

Yes No

Do any of these apply to your project?

Construction height above 3 storeys
Excavation deeper than 3 metres
Demolition of a structure over 10m
Piling, underpinning, shoring or propping
House raising, restumping or relocating a house
A stand-alone pool or spa as the project itself
Commercial or civil works of any kind
Work on a heritage-listed building or site
Work in, under or over water

Yes No

Prefer to talk it through? Call 03 9933 4664

Who we support

Insurance built around construction

From owner-builders and trade contractors to head contractors, developers and consulting engineers, across Australia and select international markets.

Owner-BuildersBuilding works, including new builds and renovations, under an owner-builder permit.

Residential and CommercialResidential, commercial, industrial, custom homes, apartments, and more.

Civil ConstructionSubdivisions, landscaping, bridges, and other civil works supporting infrastructure.

Trade ContractorsTrade specialists supporting construction and maintenance across varied sites.

Consulting EngineersStructural, geotechnical, and other services supporting construction.

ManufacturingAustralian suppliers of building materials, steel, and other products.

Covers we can arrange Contract works — annual Contract works — single project Public & products liability Tools & equipment Plant & machinery Professional indemnity Management liability Cyber liability Legal expenses Commercial motor Workers compensation

About Arrange Group

Specialists, not generalists

We are an insurance brokerage for the construction industry. Our principal, Cameron, ran underwriting for one of Australia’s largest specialist construction insurance teams. He has sat on the side of the desk that decides what gets covered, what gets declined and what a job should cost.

An engineer by training, he structures cover around how a build goes together and where it goes wrong. Purpose-built tools keep pricing sharp and turnaround quick, and there is always a specialist on the other end of the phone.

“Our job is to make insurance straightforward and transparent, so our clients can focus on building the future.”

Cameron, Principal of Arrange Group

At a glance

Construction insurance since 2012, after a career around construction projects that began in the early 2000s
Tens of thousands of projects, for thousands of clients
Ran underwriting for one of Australia’s largest specialist construction insurance teams
Civil engineer by training
Corporate Authorised Representative of Ascend Insurance Advice Network, AFSL 237973

Our mission

To empower the construction industry with enhanced insurance solutions and practical support services that reduce risk and drive growth.

Our vision

A straightforward and transparent insurance experience that is genuinely aligned with our clients’ needs, so they can focus on building the future.

What we do

Placement and risk support, from one team

Advice, placement and paperwork. Select a service to see a sample.

SampleSubmission

Contract works — 14-unit apartment build

Brunswick VIC · $8.2M · 14 months

Sent to market

Insurer ATerms received

Insurer BTerms received

Insurer CQuestions answered

Insurer DOutside appetite

Evidence summary attached · 6 pagesComparison ready

Sample document. Names, figures and references are illustrative.

Brokers: we also act as a wholesale partner for established brokerages on construction and civil risk. You keep the client relationship — we support behind the scenes with market access, submission help, and certificate workflows.

How it works

Four steps, one point of contact

1 Before your quote

We make it easy to get started and keep the details clear for insurers.

2 Getting your options

We approach the market and keep you informed at each step.

3 Binding cover

Once approved, we secure cover quickly with the insurer.

4 Ongoing support

Our work does not stop once your policy begins.

Sector expertise

Hands-on support across building, civil, engineering, trades, and manufacturing.

Fast, responsive support

We help arrange quotes, certificates, and guidance in hours, not days.

Market access edge

We unlock innovative outcomes, by building workflows to support our clients.

Common questions

Before you start

Quotes, certificates, changes and claims, answered in plain English. If anything is unclear, and we will talk you through it.

Insured with us? Something gone wrong on site?

Make a claim

Talk to a construction insurance specialist.

Start online in a couple of minutes, or call and speak with the team directly.

Start a quote

Or call 03 9933 4664

Building something? Let’s get you covered.

A minute of questions, then a specialist takes it from there

Got it. We're on it.

Insurance built around construction

Specialists, not generalists

At a glance

Our mission

Our vision

Placement and risk support, from one team

Contract works — 14-unit apartment build

Storm damage — roof and level 2 fit-out

Brownfield civil works — contract works + liability

Public & products liability

Four steps, one point of contact

Before you start

Talk to a construction insurance specialist.

From the principal

Frequently asked questions