Third Party Liability
Construction Insurance
AUD 20M
All States
No
- Bodily Injury
- Casualty
- Product Liability
- Public Liability
- Third-Party Damage
- Home Builders
- Apartment Builders
- Commercial Builders
- Office fit-out Contractors
- Industrial Builders
- Institutional Contractors
- Civil Contractors
- Subcontractors
- Principally Controlled Projects
- Annual Renewable Policies
- Construction Single Projects
Product Overview
Third Party Liability by Scope Underwriting supports construction clients facing third party injury and property damage exposures on projects across Australia. The policy focuses on legal and financial fallout from construction activities that affect neighbours, passers-by or surrounding assets.
Cover includes bodily injury, public and product liability, casualty exposures and third party damage linked to a construction site or related works. This gives builders and contractors a single liability solution that sits alongside material damage cover such as Contractors All Risks.
About Third Party Liability by Scope Underwriting
This insurance product is available for home, apartment, commercial, industrial and institutional builders, plus civil contractors and subcontractors. It can respond on single project arrangements, principally controlled projects or annual renewable programs, depending on how the work is structured.
Third Party Liability by Scope Underwriting offers limits up to AUD 20m across all Australian states, with no separate broker contract requirement shown on the product page. That helps brokers place liability for a wider mix of projects while keeping placement with a construction-focused underwriting team.
Project-heavy clients often need to talk through contract terms, site conditions and program structure before settling on cover. Brokers can follow the contact and quote prompts on this page like the ‘Contact Underwriter for Quote’ to explore how the product might suit specific construction accounts.
Third Party Liability by Scope Underwriting FAQs
What is covered under third-party liability?
Third-party liability insurance covers claims for property damage or bodily injury arising from business or construction activities. Third Party Liability by Scope Underwriting includes cover for bodily injury, property damage, product liability, public liability, and third-party damage during construction projects.
What types of construction clients are suited to apply for the policy?
Third Party Liability by Scope Underwriting targets a broad range of construction businesses and project structures. It suits home, apartment, commercial, industrial and institutional builders, civil contractors, subcontractors, annual programs and single project or principally controlled project arrangements.
What types of incidents can this third party liability cover respond to on construction projects?
The cover is designed for third party bodily injury, third party damage and related casualty exposures arising from construction operations. It also includes product liability and public liability, so it addresses harm linked to project activities and related products in scope.
Is this product available in all states?
Yes, Third Party Liability by Scope Underwriting is available in every state and territory across Australia. Construction businesses from any location can apply for cover and access the same policy features.
Does the policy cover both annual and single construction projects?
Third Party Liability by Scope Underwriting offers flexible cover for both annual renewable policies and single construction projects. This structure allows policies to be arranged for ongoing work or a one-off construction job.
What line of business does this insurance product belong to?
Third Party Liability by Scope Underwriting falls under Construction Insurance. This line of business is focused on protecting construction professionals from risks unique to building and development projects. To learn more about Construction Insurance and related products, visit the dedicated category page for more details.
Construction
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