Insurance Guide
Understand the insurance questions before works start
Use this section to prepare for insurance conversations, gather proposal information, compare written terms, verify certificates and track expiry. It is not insurance advice and does not state that every product is available or required for every project.
20-step workflow
How to get project insurance
Identify roles, check contracts and lender requirements, gather the risk pack, seek quotes, disclose facts, review terms and save proof.
Field-by-field guide
How to fill an insurance proposal form
Understand common project fields, where to find the information, example formats and when to ask the broker or insurer.
Do not start works without written confirmation
Do not start works until the required insurance is confirmed in writing and the certificate of currency is saved in the project records.
36 results
Contract works insurance / construction all-risks insurance
Insurance guideContract works insurance / construction all-risks insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Principal's contract works interest
Insurance guidePrincipal's contract works interest may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Existing structure insurance for renovations or extensions
Insurance guideExisting structure insurance for renovations or extensions may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Vacant property or site insurance
Insurance guideVacant property or site insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Public liability / general liability for the principal
Insurance guidePublic liability / general liability for the principal may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Property owner's liability
Insurance guideProperty owner's liability may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Developer liability insurance
Insurance guideDeveloper liability insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Professional indemnity for a developer
Insurance guideProfessional indemnity for a developer may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Directors and officers / management liability
Insurance guideDirectors and officers / management liability may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Statutory liability
Insurance guideStatutory liability may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Cyber insurance for project information
Insurance guideCyber insurance for project information may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Business asset insurance
Insurance guideBusiness asset insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Business motor vehicle insurance
Insurance guideBusiness motor vehicle insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Transit insurance for materials
Insurance guideTransit insurance for materials may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Delay in start-up / advanced loss of profit
Insurance guideDelay in start-up / advanced loss of profit may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Latent defects, structural warranty and residential building guarantees
Insurance guideLatent defects, structural warranty and residential building guarantees may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Lender-required insurance
Insurance guideLender-required insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Settlement and completed dwelling insurance
Insurance guideSettlement and completed dwelling insurance may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Home insurance after completion
Insurance guideHome insurance after completion may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Landlord insurance for retained dwellings
Insurance guideLandlord insurance for retained dwellings may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Body corporate insurance for unit title developments
Insurance guideBody corporate insurance for unit title developments may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Insurance during the defects liability period
Insurance guideInsurance during the defects liability period may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Professional indemnity for a project manager
Insurance guideProfessional indemnity for a project manager may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Public liability / general liability for a project manager
Insurance guidePublic liability / general liability for a project manager may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Statutory liability for a project manager
Insurance guideStatutory liability for a project manager may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Management liability for a project-management company
Insurance guideManagement liability for a project-management company may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Cyber insurance for a project-management company
Insurance guideCyber insurance for a project-management company may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Portable equipment, laptop and tools cover
Insurance guidePortable equipment, laptop and tools cover may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Commercial motor vehicle insurance for a project manager
Insurance guideCommercial motor vehicle insurance for a project manager may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Contract works insurance where the project manager is responsible
Insurance guideContract works insurance where the project manager is responsible may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Employer-related liability cover
Insurance guideEmployer-related liability cover may be considered for some residential projects or businesses. Whether it is available, suitable or required depends on the role, signed contracts, lender conditions, project facts and current insurer underwriting.
Subcontractor insurance verification checklist
Insurance guideUse this subcontractor insurance verification checklist to check, record and follow up project insurance evidence without treating the record itself as proof of cover.
Consultant insurance verification checklist
Insurance guideUse this consultant insurance verification checklist to check, record and follow up project insurance evidence without treating the record itself as proof of cover.
Certificate of currency request form
Insurance guideUse this certificate of currency request form to check, record and follow up project insurance evidence without treating the record itself as proof of cover.
Insurance expiry tracker
Insurance guideUse this insurance expiry tracker to check, record and follow up project insurance evidence without treating the record itself as proof of cover.
Insurance exclusions register
Insurance guideUse this insurance exclusions register to check, record and follow up project insurance evidence without treating the record itself as proof of cover.
Verification
Source / where to check
Use current official information and the controlled documents for the actual project.
The proposal form, schedule, endorsements, exclusions, excesses, limits, definitions and full policy wording control the actual insurance. Ask the broker or insurer to answer project-specific questions in writing.
Confirm who must arrange each policy, required limits, interested parties, evidence, duration and notification obligations against the signed contract, consultant engagements and lender conditions.
Use this as general consumer context for renovations and contract works insurance. Confirm current policy terms and the specific project directly with the broker or insurer.
The prescribed residential building disclosure material includes information about relevant contractor insurance policies, cover, exclusions, guarantees and warranties. Confirm current application with a lawyer or MBIE guidance.
Check the current residential building contract information and disclosure provisions before entering a relevant contract. Obtain legal advice for the project.
Use WorkSafe guidance to understand when a residential owner/developer or project manager may be a PCBU and how duties interact with contractors. Insurance does not replace health and safety duties.
PCBUs working together may share duties and must consult, co-operate and co-ordinate. Contract or insurance arrangements do not remove statutory duties.
Project-specific consented documents and professional advice override generic guidance.
Educational guide only
BuildPath NZ is an educational guide and project-management resource only. It does not replace advice from Auckland Council, a planner, architect, engineer, surveyor, quantity surveyor, lawyer, accountant, lender, insurer, insurance broker, WorkSafe, Watercare, utility provider, building consent authority or other qualified professional.
Read the full disclaimer