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Construction Insurance

Construction Insurance

T&G Insurance Brokers provide construction companies insurance solutions tailored to their business and operations. This is the TGIB difference — our real people provide individual attention with the backing power that comes with being a part of Australia’s largest insurance broker network, Steadfast.


We take the stress out of claims. Our Claims Managers handle your claims directly, leveraging our expert knowledge of claims processes to ensure your claim is handled fairly and promptly. Incidents involving third parties can cause delays to your claim, often involving rigorous negotiation. We are well versed in the relevant legal precedents and expertly handle third party claims with your best interests in mind.

We have a dedicated claims team who are dedicated to handling your claim. Our Claims Managers are specialists…

Premium Funding

Commercial Insurance usually requires large lump sums payments, but small and regular payments make it easier to manage cash flow. T&G Insurance Brokers can make the large payments on your behalf according to the insurer’s payment schedule, and you pay on a schedule that better suits you with smaller and regular installments.

Construction Insurance

If you are doing any form of construction ranging from residential projects to large multi storey commercial projects, large developments or civil contracts we understand your business and know how to design and structure policies which will provide you with the cover that is specific to your needs. We have a large and diverse client base, which has allowed us to identify gaps and modify our risk analysis and policy wordings to ensure we have all potential risks covered. Every business is different so we provide a thorough risk analysis of your business and identify risks which are unique to your business. Some of the areas which we concentrate are:


  • Material Damage to the Works
  • Existing Structures
  • Temporary Buildings or Structures
  • Materials on Site, in Storage or In Transit
  • Loss of Profits

Plant, Machinery and Equipment Policy

  • Are you signing any contracts with your any third party including principal contractor and suppliers which require you to cover increased exposures
  • What policy structure is best for you considering flat premium or different excess and premium options
  • 2 or 3 year new for old replacement cover
  • Finance Payout in the event of a total loss
  • Downtime or Business interruption cover to provide you with income while your vehicle or machine is being repaired
  • Substitute Hire Vehicle
  • Market Value Policy or an Agreed Value Policy
  • Dry Hire and Wet Hire of Vehicles/Machinery
  • Damage Waivers
  • Breakdown
  • Cover for goods which are on hook and being lifted or lowered by your vehicle or machine
  • Dual or Multi Lift
  • Activities performed over water, on tidal areas, at airports or for rail authorities
  • Underground
  • Do you have any young or inexperienced drivers
  • Are you carrying any dangerous or hazardous goods and the potential cost of cleaning up these goods
  • Cost of cleaning up non dangerous or hazardous goods
  • Non Owned Trailer In Control

Public and Products Liability

  • Understand maximum potential exposures in setting limits of liability
  • Check you are covered for all indemnities you are picking up when signing contracts
  • If designing consider resultant damage, injury  or financial loss resulting from error  in design
  • Does the business do work on or around boats, aeroplanes or railways
  • Liquidated damages
  • Faulty Workmanship
  • Environmental Protection 

Professional Indemnity to protect you when providing advice for a fee or design

Workers Compensation make sure all your workers are covered including contractors deemed workers and in different states

Group or Individual Personal Accident and Sickness

Depot / Workshop / Warehouse / Contents

Management Liability covering:

  • Statutory Liability for a breach of government acts including chain of responsibility, transport related fines and penalties
  • Employment Practices covering employment related incidents such as Unfair Dismissal, Bullying, Sexual Harassment, failure to promote
  • Directors and Officers Liability covering Directors and Responsible Officers for a wrongful act
  • Fidelity to cover theft by employees
  • Tax Audit to cover accountants expenses
  • Reputation Expenses to protect your reputation

Travel Insurance providing protection for your travel within and outside Australia including cover for pre existing injury or illness

Trade Credit to protect you if a Debtor goes into liquidation

Cyber Crime to protect you from Virus and Encryption of your computer networks

Quick Enquiry

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Complimentary Review

To find the best insurance for your construction business, our process begins with a complimentary analysis your company. We protect your assets and minimise your liabilities by exploring your company’s operations and identifying opportunities. If you want expert assistance from real people to finding the best insurance coverage, contact T&G Insurance Brokers toll free on 1800 010 599 and we’ll arrange your review.