What Insurances Do You Need for Contract Construction Work?
If you're stepping into contract work in the construction industry — whether as a Dogman, Crane Operator, or general worker — you’ll need to think about insurance.
Without the right cover, you could face big risks that threaten your income, your reputation, or even your legal standing.
Here’s a clear guide to what insurance you should seriously consider before taking on contracted construction work.
1. Public Liability Insurance
Public Liability Insurance covers you if your work accidentally causes:
Property damage
Personal injury
Legal expenses if someone sues
It’s usually mandatory for independent contractors working on construction sites.
Many large projects won’t let you onto site without a Certificate of Currency showing active Public Liability Insurance.
Coverage amounts typically start at $5 million, but some contracts may require $10–$20 million depending on project size.
If you’re stepping into licensed work like dogging, you’ll want to be sure you’re fully covered — learn how licensing boosts your career here: How a Dogging Licence Can Boost Your Construction Career.
2. Income Protection Insurance
If an injury prevents you from working, Income Protection Insurance ensures you still receive a percentage of your salary (often 70–85%).
This is particularly important in physical trades like construction, where injuries can happen unexpectedly — even if you work safely.
Covering your income keeps you afloat while recovering, protecting your family and your financial commitments.
3. Personal Accident Insurance
This is a simpler, more affordable alternative to full income protection.
It pays out lump sums or weekly benefits if you're injured, even if you're not completely disabled.
Some contractors use Personal Accident Insurance to keep costs down early in their careers, then upgrade to full income protection later.
4. Workers Compensation Insurance
If you employ others under your ABN (even subcontractors), Workers Compensation Insurance is usually a legal requirement under SafeWork NSW regulations.
Even if you’re operating solo now, knowing these rules is essential if you plan to grow later.
Why Insurances Matter in Construction
Sites often require contractors to submit insurance certificates before starting work — especially on government or large commercial projects governed by organisations like the Office of the Federal Safety Commissioner.
Having the right insurance in place:
Makes you more attractive to employers
Speeds up your onboarding onto sites
Protects your personal finances from unexpected risks
Want to fast-track into better-paying roles where insurance is expected? Explore why a crane licence makes a big difference: Unlock Bigger Opportunities: Why a Tower Crane Licence is a Game Changer.