Property Developer Insurance

Public liability Insurance Cost
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Property Developer Insurance Australia

As a Property Developer in today’s market there are a number of risks that you may be liable for that you must insure against. This includes financial expenditure during the erection phase of a home or a commercial building, materials used during construction, protection from loss due to damage or theft. Of course, you absolutely must protect yourself and your business from financial ruin as a result of a public liability claim against your Property Development business.

Elements of a good insurance policy for Property Developers

Whether working as an individual contractor or on multiple projects with complex contractual obligation, you need a robust public liability insurance policy that meets the needs and obligations of your business.
It is likely that you will have many contractors carrying out the work on your site(s) and they will either have their own insurance – but may not be covered in relation to your exposure as their employer – or there might be some contractors who have limited or no cover at all. This is unacceptable exposure to risk that you should not leave yourself and your business exposed to.


Key exposures to insure against as a property developer, when seeking public liability coverage for your business, the following aspects of your business should be key considerations and possible risks to be insured against.

  • Contract Works Insurance (for Builders and Developers)
  • Public and Product Liability Insurance
  • Property Insurance
  • Commercial Insurance
  • Directors’ and Officers’ Insurance
  • Professional Indemnity Insurance
  • Crime Insurance
  • Cyber Risks and Privacy Insurance

When searching for cover, you can negotiate for a customised policy that suits your specific and often complex business needs or you can identify a single existing policy that covers key risks of your business. Consulting an insurance provider such as can help you to identify potential risks that you may not have considered and work with you in designing an insurance policy that meets your needs and keeps your business safe.

Affordable and flexible

While having insurance won’t remove the possibility of accidents and mishaps occurring, you should know that it is a misconception that insurances such as Public Liability Insurance are unaffordable and prohibitive to the viability of businesses. There are affordable insurance policies for all size businesses to ensure that if claims arise you are able to remain operating.

If a flexible payment arrangement is required, can help you to negotiate this with a provider so that premium payments are tailored to your income flow.

Contact Us

To request a quote on your public liability insurance, please call our office on 1300 542 245 or complete our online quote request and our qualified experts will be in touch.