Be Covered Insurance Brokers

10/09/2026

Do builders still have professional exposure if consultants complete the design?

They can.

Under a Design and Construct contract, builders may still take on responsibility for consultant coordination, shop drawings, specifications, product substitutions, design changes and other professional activities.

Professional Indemnity Insurance can therefore be an important part of reviewing the risks attached to the contract.

Our latest article explains what commercial builders should consider before taking on Design and Construct responsibilities.

Read the full article: https://becoveredinsurance.com.au/professional-indemnity-design-construct-builders/

01/09/2026

A commercial fit-out can look straightforward, but the insurance risks can be very different from a new build.

If you’re renovating an office, school, hospitality venue, medical practice or other commercial premises, you may be working around existing structures, valuable equipment, neighbouring tenants, employees or members of the public.

Before work starts, it’s worth asking:

• Who is insuring the existing building?
• Are the client’s contents and equipment exposed?
• Will the premises remain occupied during the works?
• Does your Contract Works cover consider existing structures?
• Are your Public Liability limits appropriate?
• Are you taking on any design responsibility?

Our latest article explains the key insurance considerations builders should review before starting a commercial fit-out or renovation.

Read the full article here:
https://becoveredinsurance.com.au/commercial-fit-out-insurance-builders/

26/08/2026

Signing a commercial head contract soon?

Check your insurance clauses before you sign. 👇

We see it happen regularly.

A builder wins a great project. Signs the contract. Then discovers their liability limit is too low, the principal needs to be named on the policy, or there's a clause that required a specific endorsement they didn't have.

These aren't obscure requirements.

They show up in commercial head contracts all the time and catching them after you've signed is a much bigger problem than catching them before.

We've put together a practical guide covering the insurance requirements that appear most often in commercial head contracts and exactly what to check before you commit.

If you're tendering for larger work this year, it's worth a read.

🔗 https://becoveredinsurance.com.au/commercial-head-contract-insurance-requirements/

19/08/2026

Could your business be taking on professional risk without realising it?

Builders and trades can take on professional responsibility through advice, plans, specifications, shop drawings, consultant coordination or Design and Construct work.

That can include builders, electricians, plumbers, civil contractors and fabricators.
Ask yourself:

If something went wrong with the advice or design my business was responsible for, would my current insurance respond?

Read our latest article to learn when Professional Indemnity Insurance may be worth reviewing:
https://becoveredinsurance.com.au/professional-indemnity-insurance-for-builders-and-trades-in-australia/

07/07/2026

🚜 Builders — is your plant and equipment actually covered when theft, fire or accidental damage strikes?

Plant and equipment can be one of the biggest costs on site, so it’s worth knowing what’s actually covered before a claim happens.

Read the article here 👇

https://becoveredinsurance.com.au/https-becoveredinsurance-com-au-plant-equipment-insurance-builders-contractors/

Plant and Equipment Insurance for builders and contractors in Australia. Learn what’s covered, common exclusions, equipment gaps and when to review your cover.

02/07/2026

For builders and tradies, Public Liability Insurance is one of the most important covers to have, but it also has limits, exclusions and conditions that are often misunderstood.

Before your next project or renewal, it’s worth checking:

✔️ Is your liability limit high enough for your contracts?
✔️ Are subcontractors properly covered?
✔️ Are your business activities correctly listed?
✔️ Does your policy respond to property damage or injury claims?
✔️ Do you also need Contract Works or Professional Indemnity cover?

A $5 million or $10 million limit may not be enough if you’re moving into larger, commercial, civil or government projects.
We’ve put together a practical guide for builders in Australia covering what Public Liability Insurance does, what it doesn’t cover, and when to review it.

Read the full article here: https://becoveredinsurance.com.au/public-liability-insurance-builders-australia/

26/06/2026

Starting a new project? Don’t assume your Contract Works Insurance automatically covers everything on site.

Before breaking ground, builders should check:
✔️ Is the full contract value declared?
✔️ Are all project types disclosed?
✔️ Are subcontractors properly insured?
✔️ Are materials covered in transit or off-site?
✔️ Does your Public Liability limit meet the contract requirements?
✔️ Do you understand the exclusions before a claim happens?

A policy that worked for your last job may not be right for your next one, especially if the project is larger, more complex or has different contract requirements.

We’ve put together a practical Contract Works Insurance checklist for builders in Australia to help you review the key areas before work starts.

Read the full article here: https://becoveredinsurance.com.au/contract-works-insurance-checklist-builders/

19/06/2026

🚧 More staff. More subbies. Bigger projects. Same insurance?

One of the most common issues I find isn't underinsurance.

It's businesses that have doubled in size but are still insured based on how they operated 2-3 years ago.

* More staff.
* Bigger projects.
* Higher contract values.
* More subcontractors.

But the insurance hasn't kept up.

Before 30 June, it's worth asking one simple question:
"If I had a major claim tomorrow, would my current policy still fit my business today?"

I've put together a quick guide covering the key areas builders and trades should review before the new financial year.

👇 Read the article here:
https://lnkd.in/g4ZdtC3d

17/06/2026

A lot can over the year.

We've seen builders take on larger contracts, hire more staff, purchase new plant and equipment, and expand into new areas of work — all without updating their insurance. ⚠️🏗️

The result? Potential gaps in cover when it matters most.

Before 30 June, take 5 minutes to make sure your insurance still reflects the business you've built.

Read more here 👇

https://becoveredinsurance.com.au/eofy-insurance-review-builders/

15/06/2026

EOFY is the perfect time for builders and trades to review their insurance before heading into the new financial year. 🏗️📋

Has your turnover increased? Taking on larger projects? Using more subcontractors? Your insurance should evolve with your business. A quick review now could help avoid costly gaps later.

Read our latest article 👇

https://becoveredinsurance.com.au/eofy-insurance-review-builders/