Tailored Insurance Solutions for Construction & Infrastructure Businesses

From commercial and civil contractors to engineering and project management firms, building certifiers and surveyors, demolition and remediation specialists, and design & construct operators, we search the market on your behalf to arrange insurance for your projects, your plant, your contracts, and your people. Construction and infrastructure insurance we place includes:

Public & Products Liability

Every site carries third-party risk — a member of the public is injured near hoarding, a defect in completed work that damages a client’s property after handover. Public and products liability insurance responds to claims for injury or property damage arising from your construction activity, on site or after the job is done.

Contract Works

From a single fit-out to a multi-stage civil project, the works themselves are exposed to loss and damage from the day you break ground until practical completion. Contract Works insurance covers the project under construction — materials, plant, and labour already invested — including principal-controlled contracts where the client requires evidence of insurance before work starts.

Workers Compensation

Construction carries some of the highest workplace injury rates of any industry, and workers compensation insurance is a statutory requirement in every state or territory you employ, from site labourers to project managers. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Plant, Equipment & Machinery

Fixed and mobile plant — concrete pumps, generators, compressors, fabrication equipment — represents serious capital tied up in machinery that has to keep running. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown, separate from the project insurance covering the works themselves.

Plant & Machinery (Mobile)

Excavators, cranes, bobcats and other mobile plant move between sites and carry their own damage and breakdown exposure during transport and operation. We arrange insurance for mobile plant whether you own a single machine or run a fleet across multiple active sites.

Commercial Property

Covers construction premises, depots, warehouses, site offices, contents and fit-out against insured events such as fire, storm, theft and impact. For contractors with fixed locations as well as active sites, this helps protect the physical base of the business.

Commercial Motor Fleet

Construction businesses rely on utes, trucks, vans and specialist vehicles to move people, plant and materials between sites. Commercial motor fleet insurance can cover owned and leased vehicles under one program, scaled to the size and use of the fleet.

Professional Indemnity

Design, construct, project management, engineering, certification and consulting work can all create professional exposure. Professional indemnity insurance responds to claims alleging financial loss caused by negligent advice, design errors or professional services.

Management Liability

Covers directors, officers and the company for management-related exposures such as employment practices, liability, crime and governance claims. It becomes increasingly important as construction businesses grow, employ staff and take on larger contractual obligations.

Cyber Insurance

Construction firms hold project data, payroll records, supplier details and payment information that can be targeted by ransomware, invoice fraud and data breach events. Cyber insurance helps fund response costs, recovery, interruption losses and third-party claims.

Marine & Cargo

Materials, components, equipment and imported goods can be damaged or lost while moving between suppliers, ports, warehouses and sites. Marine and cargo insurance protects construction goods in transit, including high-value or time-critical project materials.

Environmental Liability

Excavation, demolition, remediation and civil works can disturb contaminants, fuel, sediment, asbestos or other pollutants. Environmental liability insurance responds to pollution incidents, clean-up costs, third-party damage and regulatory action.

Directors & Officers Liability

Company directors and officers can be personally named in claims involving governance, insolvency, safety, regulatory or shareholder matters. Directors and officers liability insurance helps protect individuals in leadership roles from covered management claims.

Liability

Construction businesses operate under heavy regulatory scrutiny, including work health and safety, environmental, building and transport laws. liability insurance can help respond to investigations, legal defence costs and certain insurable penalties where permitted by law.

Tax Audit

Complex payroll, subcontractor arrangements, plant depreciation and project accounting can increase the cost of responding to an audit. Tax audit insurance helps cover professional fees incurred when responding to an ATO or government revenue authority review.

And More

Construction and infrastructure risks vary widely by trade, contract, project size and delivery model. If the cover you need is not listed here, we can review your operations and source specialist options from the market.

Tools & Plant (Portable)

Your tools are your livelihood. We arrange insurance for the kit you carry from job to job — power tools, hand tools, generators, compressors — against theft from the van or site, and accidental damage, not just the heavier plant a Contract Works or Plant & Machinery policy is built for.

Public & Products Liability

Working in someone else’s home, building site or commercial premises means someone else’s property and people are at risk every time you’re on the tools. Public and products liability insurance responds to claims for injury or property damage — a dropped tool through a ceiling, a fitting that fails after you’ve left site — arising in the course of your work.

Commercial Motor Fleet

From a single ute to a small fleet of vans, your vehicles carry you, your crew and your tools between jobs every day. We arrange motor fleet insurance for the vehicles that keep your business moving, scaled to how many you run.

Workers Compensation

If you employ apprentices, labourers or other tradespeople, workers compensation insurance is a statutory requirement, not an option. Requirements and premiums vary by state — we help you navigate the right path for your jurisdiction and your trade.

Contract Works

Taking on fit-out, renovation or project-based work alongside your usual trade? Contract Works insurance responds to loss or damage to a job in progress — materials on site and work completed but not yet signed off — until the job reaches practical completion.

Management Liability

As your trade business grows past a sole operator — taking on staff, leasing a depot, incorporating — management liability insurance bundles protection for directors, employment practices, liability and crime exposures that can sit outside your tools and liability policies.

Liability

Trades work is governed by licensing, work health and safety, and environmental regulations that can carry fines and penalties for breaches — even unintended ones. Liability insurance can help respond to legal and penalties where insurable, plus the legal costs of defending a breach.

Professional Indemnity

If your trade involves design, certification or advice as well as the physical work — a builder advising on structural changes, an electrician signing off compliance — professional indemnity insurance responds to claims that the advice itself, not just the workmanship, was negligent.

Plant, Equipment & Machinery

Pumps, fixed machinery, workshop gear, and other plant assets — not just portable tools — need protection against breakdown. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown, distinct from the portable tools insurance for your kit and van.

Cyber Insurance

Quoting, invoicing and scheduling online, or storing customer details on a phone or laptop, brings the same data breach and ransomware exposure as any other small business. Cyber insurance responds to data breach response costs, ransomware, and the business interruption that follows an incident.

Environmental Liability

Trades working with chemicals, fuels, paints or contaminated materials — demolition, plumbing, painting, excavation — can trigger clean-up and remediation costs if something escapes site. Environmental liability insurance responds to clean-up, remediation and third-party contamination costs arising from your work.

Plant & Machinery (Mobile)

If your trade has grown to include mobile plant — a mini excavator, a bobcat, a small crane — this insurance protects that heavier equipment against damage and breakdown, separately from the portable tools insurance for your van.

Trade Credit

Subcontracting to builders or developers on payment terms? If a head contractor or principal becomes insolvent or defaults, trade credit insurance protects the income you’ve owed — most relevant once you’re carrying real exposure to a small number of larger contracts, rather than lots of small jobs.

Tools & Plant (Portable)

Your tools are your livelihood. We arrange insurance for the kit you carry from job to job — power tools, hand tools, generators, compressors — against theft from the van or site, and accidental damage, not just the heavier plant a Contract Works or Plant & Machinery policy is built for.

Public & Products Liability

Working in someone else’s home, building site or commercial premises means someone else’s property and people are at risk every time you’re on the tools. Public and products liability insurance responds to claims for injury or property damage — a dropped tool through a ceiling, a fitting that fails after you’ve left site — arising in the course of your work.

Commercial Motor Fleet

From a single ute to a small fleet of vans, your vehicles carry you, your crew and your tools between jobs every day. We arrange motor fleet insurance for the vehicles that keep your business moving, scaled to how many you run.

Workers Compensation

If you employ apprentices, labourers or other tradespeople, workers compensation insurance is a statutory requirement, not an option. Requirements and premiums vary by state — we help you navigate the right path for your jurisdiction and your trade.

Contract Works

Taking on fit-out, renovation or project-based work alongside your usual trade? Contract Works insurance responds to loss or damage to a job in progress — materials on site and work completed but not yet signed off — until the job reaches practical completion.

Management Liability

As your trade business grows past a sole operator — taking on staff, leasing a depot, incorporating — management liability insurance bundles protection for directors, employment practices, liability and crime exposures that can sit outside your tools and liability policies.

Liability

Trades work is governed by licensing, work health and safety, and environmental regulations that can carry fines and penalties for breaches — even unintended ones. Liability insurance can help respond to legal and penalties where insurable, plus the legal costs of defending a breach.

Professional Indemnity

If your trade involves design, certification or advice as well as the physical work — a builder advising on structural changes, an electrician signing off compliance — professional indemnity insurance responds to claims that the advice itself, not just the workmanship, was negligent.

Plant, Equipment & Machinery

Pumps, fixed machinery, workshop gear, and other plant assets — not just portable tools — need protection against breakdown. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown, distinct from the portable tools insurance for your kit and van.

Cyber Insurance

Quoting, invoicing and scheduling online, or storing customer details on a phone or laptop, brings the same data breach and ransomware exposure as any other small business. Cyber insurance responds to data breach response costs, ransomware, and the business interruption that follows an incident.

Environmental Liability

Trades working with chemicals, fuels, paints or contaminated materials — demolition, plumbing, painting, excavation — can trigger clean-up and remediation costs if something escapes site. Environmental liability insurance responds to clean-up, remediation and third-party contamination costs arising from your work.

Plant & Machinery (Mobile)

If your trade has grown to include mobile plant — a mini excavator, a bobcat, a small crane — this insurance protects that heavier equipment against damage and breakdown, separately from the portable tools insurance for your van.

Trade Credit

Subcontracting to builders or developers on payment terms? If a head contractor or principal becomes insolvent or defaults, trade credit insurance protects the income you’ve owed — most relevant once you’re carrying real exposure to a small number of larger contracts, rather than lots of small jobs.

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A strategic check of your current insurance against where your business stands today. No cost, no obligation.

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Send through the insurance quotes you’re ready to arrange and we’ll come back with the next steps.

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Why Construction & Infrastructure Businesses Choose Polaris

We don’t sell insurance. We solve problems.
Access to Multiple Insurers

We compare policies across a panel of Australian and international insurers to find insurance suited to your construction business and its risk profile, whether you run a single site or several projects at once.

Market Conditions, Tracked for You

Commercial insurance pricing moves with the market, and construction has its own cycles of capacity and appetite. We monitor it on your behalf and tell you honestly whether now is the time to review your insurance or hold.

Sector Specialists

We understand that a construction business carries site risk, contract risk, plant risk and people risk simultaneously — and that the right insurance program looks different for a head contractor than for a certifier or a design & construct operator. We build around your specific contract structure, not a generic package.

Full Claims Support

When something goes wrong, we manage your claim from lodgement to settlement. You deal with us, not the insurer — one point of contact, start to finish.

Choose your next step:

Choose your next step:

Request a Review

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FAQ

Top common questions asked about construction & infrastructure business insurance

Top common questions asked about construction & infrastructure business insurance

What insurance does a construction or infrastructure business need as standard?
What’s the difference between Contract Works Insurance and Plant, Equipment & Machinery insurance?
Do we need Professional Indemnity insurance if we’re a builder, not a design consultancy?
When does a construction business need Surety & Performance Bonds?
What’s different about working with a broker instead of going direct to an insurer for construction insurance?

Your Project Portfolio Has Grown Since You Took Out Your First Policy. Has Your Cover Kept Up?

Your Project Portfolio Has Grown Since You Took Out Your First Policy. Has Your Cover Kept Up?

Most construction businesses find the gaps in their insurance during a review — not during a claim. Have your insurance program reviewed by a specialist who understands contract works, plant, and statutory exposure. We'll identify coverage gaps, redundancies, and potential savings, at no cost, before your next renewal.

Request a Risk & Insurance Review →

Request a Risk & Insurance Review →

No cost. No obligation.

No cost. No obligation.

Already know what you need?

Already know what you need?

Contract Works, Public Liability, Plant & Machinery or any cover above?

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Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

LEGALS

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

LEGALS

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.