Contract Works Insurance

Protection for Building Projects, Materials & Site Risk

Contract Works Insurance helps protect building and construction projects while works are underway. From material damage and theft through to storm events and site-related risks, a single incident can disrupt timelines and increase costs.

Midland helps builders and construction businesses arrange tailored cover with clear advice and support when it matters most.

Get a Contract Works Insurance Quote

Tell us a few details about your business or project and one of our brokers will be in touch to discuss suitable cover options.

    No obligation. Free consultation with our insurance specialists.

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    Contract Works Insurance Explained

    What is Contract Works Insurance?

    Contract Works Insurance is designed to protect building and construction projects while works are underway. Depending on how the policy is arranged, it can help cover loss or damage to the contract works, materials and certain site-related exposures during construction.

    Construction projects can be exposed to risks such as storm damage, fire, theft, vandalism and accidental damage before practical completion. When something goes wrong mid-project, the financial impact can be significant.

    Project Risk Protection

    Helps protect works, materials and site exposures during construction, reducing financial impact from unexpected events.
    Cover options

    What Can Contract Works Insurance Cover?

    Depending on how the policy is structured, Contract Works Insurance can help protect a range of exposures during construction, from physical damage through to site-related risks and financial impact.

    Works in Progress

    Cover for residential buildings and structures while construction is underway, before completion or handover.

    Theft, Fire & Storm Damage

    Helps cover sudden events such as storm damage, fire or vandalism that can impact a project mid-build.

    Plant, Tools & Equipment

    Options may extend to plant, tools or equipment depending on the policy structure and insurer.

    Construction Materials

    Protection for materials on-site or ready for installation, including damage, loss or theft depending on cover.

    Public Liability Exposure

    Protection against third-party injury or property damage claims arising from construction activities.

    Delay & Financial Impact

    Some policies may respond to delays and additional costs following insured damage, depending on cover arranged.
    Who It's For

    Who Is Contract Works Insurance For?

    Contract Works Insurance is commonly considered by builders and construction businesses involved in residential projects. The right structure depends on the type of work, project size and how your business operates.

    Licensed Builders

    For residential builders managing new home builds, extensions or renovations.

    Building Companies

    For businesses handling multiple projects or overseeing construction across several sites.

    Principal Contractors

    For those responsible for project delivery, timelines and contractual obligations.

    Trade & Construction Businesses

    For trades and contractors involved in residential construction projects where site risks exist.
    Cover structure

    Annual Cover or Single Project Cover?

    Contract Works Insurance may be arranged on an annual basis or for a specific project, depending on the nature of the work and how your business operates. The right structure can depend on project frequency, contract requirements, turnover and the size of the build.

    Ongoing Operations

    Annual Cover
    Often suited to builders and construction businesses handling multiple jobs across the year, where a broader insurance structure may be more practical than arranging cover project by project.
    Often suited to:
    Builders, building companies and contractors managing ongoing residential work.

    Project-specific

    Single Project Cover
    Often suited to one-off projects or builds with clearly defined values, timelines and contractual requirements, where insurance needs to be arranged around a particular job.
    Often suited to:
    One-off residential builds, major renovations, extensions or project-specific contractual requirements.
    The better option depends on how often you undertake projects, how your contracts are structured, and the type of residential work you perform. A broker can help determine which approach is more practical for your business.
    Real project scenarios

    What Can Go Wrong During Construction?

    Even well-managed residential projects can run into unexpected issues. When something goes wrong mid-build, the financial impact can be significant – particularly if materials, works or site exposures are affected.

    Storm Damage Mid-Build

    A partially completed home is damaged during a storm, affecting framing, materials and exposed sections of the build.
    Impact: Repairs, replacement materials and delays can create unexpected costs before the project is complete.

    Theft of Materials On Site

    Building materials stored on-site are stolen overnight before installation, delaying progress and increasing costs.
    Impact: Replacing materials and managing delays can affect timelines and overall project budgets.

    Accidental Damage During Construction

    Part of the structure is accidentally damaged during construction, requiring rework and additional labour.
    Impact: Rectification costs and delays can affect both project timelines and profitability.

    Midland Approach

    Practical Advice, Backed by Experience
    We take the time to understand how your projects are structured, your contractual requirements and the risks involved. From there, we help arrange cover that fits your business – not just a generic policy.
    Clear advice, responsive service and support when it matters most.
    Why work with Midland

    How We Help You Get the Right Cover

    Contract Works Insurance can vary depending on how your projects are structured. We guide you through the process and help ensure your cover aligns with your contracts, risks and how your business operates.

    1

    Understand Your Projects

    We take the time to understand your work, project types and how your contracts are structured.

    2

    Review Risks & Requirements

    We assess site exposures, contract requirements and potential risks across your projects.

    3

    Arrange Suitable Cover

    We approach insurers and structure cover that aligns with your business and projects.

    4

    Ongoing Support

    We’re here to assist with policy changes, advice and claims support when needed.

    FREQUENTLY ASKED QUESTIONS

    Contract Works Insurance FAQs

    If you're unsure how Contract Works Insurance applies to your projects, here are answers to some of the most common questions we’re asked.

    What does Contract Works Insurance typically cover?

    Contract Works Insurance generally covers loss or damage to building works while construction is underway. This can include the structure itself, materials on site, and certain site-related risks depending on how the policy is arranged.

    In many cases, yes – materials stored on-site or ready for installation can be covered. However, the extent of cover depends on the policy structure and limits selected.

    Annual cover is designed for builders or businesses managing multiple projects across the year, while single project cover applies to a specific job with defined timelines and values. The right option depends on how frequently you undertake projects and your contractual requirements.

    It’s not always legally required, but it is commonly expected under building contracts and can be essential for protecting your financial exposure during construction.

    Contract Works Insurance can be arranged alongside Public Liability cover, but they are separate protections. Liability cover responds to third-party injury or property damage, while Contract Works covers the project itself.

    The appropriate level of cover depends on your project value, contract terms, materials, and risk exposures. A broker can help ensure your cover aligns with how your projects are structured.

    Get Contract Works Insurance
    Sorted Properly

    Whether you're managing a single residential build or multiple projects across the year, we’ll help you arrange Contract Works Insurance that aligns with your risks, contracts and how your business operates.

    Request a Contract Works Insurance Quote

    Tell us a bit about your project or business, and one of our brokers will be in touch to recommend suitable cover options – without the jargon or guesswork.

      No obligation. Free consultation with our insurance specialists.

      Midland Insurance Brokers Australia Pty Ltd
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      Jeff Price

      Senior Insurance Broker

      Jeff is a Senior Broker in Midland’s Sydney office, bringing over 30 years of experience across both national and international insurance markets. He specialises in complex and hard-to-place risks, structuring tailored insurance programs for clients with unique or challenging exposures.

      With a practical, solutions-focused approach, Jeff works closely with clients to understand their operations and ensure their cover is designed to respond when it matters most. He provides clear, considered advice at every stage, with a strong focus on protecting client interests.

      Outside of work, Jeff enjoys spending time with family and friends, playing guitar, and swimming.

      Areas of focus

      Business Insurance

      SME Clients

      Complex & Hard-to-Place Risks

      Tailored Insurance Programs

      Angus Matheson

      Angus Matheson

      Senior Insurance Broker

      With more than 21 years’ experience in the insurance industry, Angus is a Senior Broker specialising in road freight transport. He brings a deep understanding of the sector and delivers tailored insurance solutions that reflect the operational and commercial realities of transport businesses.

      Angus takes a client-first approach, investing the time to understand each business, its priorities, and its risk profile before providing clear, practical advice. He holds accreditations with NIBA, ANZIIF, CIP, and QPIB, and remains actively engaged with industry developments through ongoing education and professional involvement. His focus is on delivering reliable protection that supports business continuity and long-term confidence.

      Areas of focus

      Business Insurance

      SME Clients

      Transport

      Personal Accident & Illness

      Road Freight & Heavy Vehicles

      Gary Perera

      Senior Insurance Broker

      With 35 years’ experience in the insurance industry, Gary is a Senior Broker at Midland with extensive knowledge across a wide range of business sectors. He specialises in breweries, distilleries, cafés, restaurants, and manufacturing, bringing practical insight and real-world understanding to every client engagement.

      Known for his thorough and considered approach, Gary takes the time to understand how each business operates before delivering clear, tailored insurance solutions. A member of ANZIIF, he maintains high professional standards through ongoing education and active engagement with industry developments.

      Outside of work, Gary is an avid sports enthusiast who enjoys running, football, and cricket. He remains driven by a simple principle: continuous improvement and delivering the highest standard of advice to his clients.

      Areas of focus

      Business Insurance

      SME Clients

      Breweries & Distilleries

      Hospitality

      Manufacturing

      David Peek

      Senior Insurance Broker

      David is a Senior Insurance Broker with over 40 years of experience across the insurance industry.

      He began his career with Sun Alliance Insurance, building a strong foundation in accounts, claims, and underwriting before moving into broking. David spent 35 years with M.D. Insurance Brokers, where he developed deep expertise across all areas of insurance and built long-standing client relationships that continue today.

      Following Midland’s acquisition of M.D. Insurance Brokers in 2017, David joined the team and continues to provide practical, reliable advice backed by decades of experience.

      Known for his steady, relationship-driven approach, David takes pride in delivering consistent, long-term support to his clients.

      Outside of work, he is a passionate supporter of the Geelong Cats and enjoys DIY projects, staying active, and spending time with family and friends.

      Areas of focus

      Business Insurance

      SME Clients

      Broad Insurance Expertise

      Long-Term Client Relationships

      Sarah Grose

      Sarah Grose

      Senior Insurance Broker

      With more than 17 years’ experience in the insurance industry – including 16 years with Midland – Sarah brings deep expertise and a well-rounded understanding of both client needs and the broader insurance landscape. Having worked across a range of roles, including management, she offers practical, informed advice backed by real industry experience.

      Sarah specialises in small to medium-sized business insurance, with particular expertise in the film and television sector, self-storage, and breweries and distilleries. Her approach focuses on making insurance clear, practical, and tailored to each client’s circumstances.

      Known for her approachable, solution-focused style, Sarah builds long-term relationships through consistent, reliable service and a strong understanding of her clients’ businesses. She holds a Diploma of Insurance Broking and remains actively engaged in ongoing professional development to ensure her advice stays current and relevant.

      Areas of focus

      Business Insurance

      SME Clients

      Professional Photographers

      Breweries & Distilleries

      Film & Television

      Self Storage Facilities

      Andrew Woff

      Andrew Woff

      Senior Insurance Broker

      With close to 20 years’ experience in the insurance industry, Andrew is a Senior Broker at Midland specialising in heavy vehicles, equipment, and mobile plant, as well as breweries and distilleries.

      He is particularly well regarded for structuring tailored, cost-effective solutions for assets involving motors, wheels, or tracks, alongside his strong understanding of the risks unique to alcohol production businesses.

      Working with clients ranging from sole traders to large-scale operations, Andrew is known for his clear communication, flexible approach, and commitment to practical, personalised advice. A QPIB-accredited broker and member of NIBA, he maintains high professional standards and stays closely aligned with evolving industry requirements.

      Outside of work, Andrew is a proud father of three and an active community volunteer. His interests in music, electronics, mechanics, and brewing reflect the same hands-on, problem-solving mindset he brings to his clients.

      Areas of focus

      Business Insurance

      SME Clients

      Heavy Vehicles & Equipment

      Construction

      Mobile Plant

      Breweries & Distilleries

      Scott McMurtrie

      Scott McMurtrie

      Senior Insurance Broker

      Scott is a Senior Insurance Broker with over 12 years’ experience supporting Australian small and medium-sized businesses. He specialises in tailored insurance solutions across the Film & Entertainment, Transport, and Manufacturing sectors, delivering advice that reflects each client’s specific risks and operations.

      With a strong focus on understanding how businesses work in practice, Scott provides clear, relevant cover recommendations backed by ongoing professional development and industry engagement.

      Outside the office, he enjoys AFL, soccer, and music, and values building long-term client relationships founded on trust and reliability

      Areas of focus

      Business Insurance

      SME Clients

      Film & Entertainment

      Transport

      Manufacturing

      Peter Stanfield

      Senior Insurance Broker

      Peter is a Senior Insurance Broker at Midland Insurance Brokers, bringing over 15 years of experience across a broad range of general insurance classes.

      Starting his career with Midland at 22 within the Claims team, Peter developed a strong understanding of how policies perform when it matters most. He later transitioned into client-facing roles, where he has spent the past five years delivering tailored insurance solutions backed by practical, real-world insight. He holds a Diploma of Financial Services (Insurance Broking).

      Peter has particular expertise in financial lines, breweries and distilleries, and self-storage facilities, while maintaining broad capability across all areas of insurance.

      Known for his straightforward, down-to-earth approach, Peter makes insurance easy to understand and manage. A loyal supporter of the Richmond Tigers, he’s always up for a conversation – whether that’s over a coffee or a beer.

      Areas of focus

      Business Insurance

      SME Clients

      Professional Photographers

      Self-Storage Facilities

      Breweries & Distilleries

      Financial Lines

      Beau Runnalls

      Beau Runnalls

      Senior Insurance Broker

      Beau is a senior insurance broker at Midland with seven years of industry experience supporting businesses across Australia. He works across a broad range of sectors, with particular expertise in earthmoving, heavy equipment, trades, and the winery industry.

      Known for his attention to detail and measured approach, Beau focuses on delivering insurance solutions that are clear, practical, and free from unnecessary complexity. He remains actively engaged in professional development, ensuring his advice reflects current industry standards and best practice.

      Beau places strong value on collaboration and long-term client relationships. Outside of work, he enjoys golf and football, reflecting his team-oriented mindset and active approach both professionally and personally.

      Areas of focus

      Business Insurance

      SME Clients

      Earthmoving & Heavy Equipment

      Trades & Contractors

      Wineries

      Breweries & Distilleries

      Pubs & Bars

      Alex Petkovic

      Alex Petkovic

      Senior Insurance Broker

      With 27 years of experience in the insurance industry, Alex is a senior broker at Midland, recognised for his depth of knowledge, attention to detail, and straightforward approach. While he works across a broad range of businesses, he has a particular focus on clients in the construction and building sectors.

      Committed to keeping insurance clear and practical, Alex places a strong emphasis on honesty and client-first advice. He remains actively engaged with industry developments through ongoing professional development and research, and is also a natural mentor, regularly supporting and guiding emerging brokers within the team.

      Areas of focus

      Business Insurance

      SME Clients

      Construction & Building

      Strategy

      Clear, Practical Advice

      Joshua-Kerr

      Joshua Kerr

      National Sales Manager

      Joshua is Midland’s National Sales Manager, with more than two decades of experience in the insurance industry. His expertise spans a wide range of insurance solutions, with particular depth in the winery and brewery sectors.

      Taking a considered, people-focused approach, Joshua works closely with clients to understand how their businesses operate and the risks they face, allowing him to deliver insurance solutions that are both practical and relevant. He is known for his ability to make complex insurance concepts clear and approachable.

      Outside of work, Joshua has a strong connection to community, having spent several years coaching junior basketball and serving as Vice President of a children’s basketball club. Staying closely attuned to industry developments, he is committed to helping clients make informed insurance decisions that support their long-term success.

      Areas of focus

      Business Insurance

      SME Clients

      Wineries

      Breweries

      Pubs & Bars

      Strategic Insurance Advice

      Justin Lane

      Director

      Justin is a Director at Midland and has been part of the business since 2003. With more than two decades of experience, he works closely with small businesses across Australia, helping them secure insurance solutions that genuinely reflect the way they operate.

      Known for his practical, solution-focused approach, Justin places strong emphasis on clarity, reliability, and long-term client relationships. His depth of industry knowledge and consistent, hands-on service have seen him become a trusted adviser to many business owners over time.

      Areas of focus

      Business Insurance

      Professional Photographers

      SME Clients

      Practical, Solution-Focused Advice

      Self Storage Facilities

      Jeff Price

      Senior Insurance Broker

      Jeff is a Senior Broker in Midland’s Sydney office, bringing over 30 years of experience across both national and international insurance markets. He specialises in the design, placement and ongoing management of complex and hard-to-place risks, delivering tailored solutions for clients with unique or challenging exposures.

      Known for his practical approach and depth of knowledge, Jeff works closely with clients to understand their operations and ensure their insurance program is structured to respond when it matters most. He is committed to putting clients’ interests first and providing clear, considered advice at every stage.

      Outside of work, Jeff enjoys spending time with family and friends, playing guitar, and swimming.

      Gary Perera

      Senior Insurance Broker

      With 35 years’ experience in the insurance industry, Gary is a Senior Insurance Broker at Midland with extensive knowledge across a wide range of business sectors. He specialises in insurance for breweries, distilleries, cafés, restaurants, and manufacturing businesses, bringing a depth of practical insight to every client engagement.

      Known for his thorough and considered approach, Gary takes the time to understand how each business operates before delivering clear, tailored insurance solutions. A committed professional, he has completed numerous industry qualifications and is a proud member of ANZIIF, maintaining his expertise through ongoing education and regular engagement with industry developments.

      Outside of work, Gary is an avid sports enthusiast who enjoys running, football, and cricket. He remains driven by a simple principle: continuous improvement and delivering the highest standard of advice to his clients.

      Angus Matheson

      Angus Matheson

      Senior Insurance Broker

      With more than 21 years’ experience in the insurance industry, Angus is a Senior Insurance Broker specialising in Road Freight Transport insurance. He is recognised for his deep understanding of the transport sector and his ability to deliver tailored risk solutions that address the operational and commercial challenges faced by transport businesses.

      Angus takes an empathetic, client-first approach, investing the time to understand each business, its priorities, and its risk profile before providing advice. A committed professional, he holds accreditations with NIBA, ANZIIF, CIP, and QPIB, and remains actively engaged with industry developments through ongoing education and professional involvement. His focus is on delivering reliable protection that supports business continuity and long-term confidence.

      Sarah Grose

      Sarah Grose

      Senior Insurance Broker

      With more than 17 years’ experience in the insurance industry -including 16 years with Midland - Sarah brings deep expertise and a genuine commitment to helping clients protect what matters most. Having held a range of roles across the business, including management positions, she has a well-rounded understanding of both client needs and the broader insurance landscape.

      Sarah specialises in small to medium-sized business insurance, with particular expertise in the film and television sector, self-storage, and, more recently, breweries and distilleries. Her approach is focused on making insurance clear, practical, and tailored to each client’s circumstances. Known for her approachable and solution-focused style, Sarah builds long-term relationships grounded in trust, reliability, and understanding.

      She holds a Diploma of Insurance Broking and remains actively engaged in ongoing professional development to ensure her advice stays current and relevant.

      Andrew Woff

      Andrew Woff

      Senior Insurance Broker

      With close to 20 years’ experience in the insurance industry, Andrew is a Senior Insurance Broker at Midland specialising in heavy vehicle and equipment insurance, as well as cover for breweries and distilleries. He is particularly well regarded for his ability to secure tailored, cost-effective solutions for assets involving motors, wheels, or tracks, alongside his strong understanding of the risks unique to alcohol production businesses.

      Andrew works with a wide range of clients, from sole traders through to large-scale operations, and is known for his clear communication, flexible approach, and commitment to personalised service. A QPIB-accredited broker and member of NIBA, he maintains high professional standards and remains focused on delivering practical, well-considered advice.

      Outside the office, Andrew is a proud father of three and an active community volunteer. His interests in music, electronics, mechanics, and brewing reflect the same curiosity and hands-on mindset he brings to his professional work.

      Scott McMurtrie

      Scott McMurtrie

      Senior Insurance Broker

      Scott is a Senior Insurance Broker with over 12 years’ experience supporting Australian small and medium-sized businesses. He specialises in tailored insurance solutions across the Film & Entertainment, Transport, and Manufacturing sectors, delivering advice that reflects each client’s specific risks and operations.

      With a strong focus on understanding how businesses work in practice, Scott provides clear, relevant cover recommendations backed by ongoing professional development and industry engagement.

      Outside the office, he enjoys AFL, soccer, and music, and values building long-term client relationships founded on trust and reliability.

      Beau Runnalls

      Beau Runnalls

      Senior Insurance Broker

      Beau is a senior insurance broker at Midland with seven years of industry experience supporting businesses across Australia. He works across a broad range of sectors, with particular expertise in earthmoving, heavy equipment, trades, and the winery industry.

      Known for his attention to detail and measured approach, Beau focuses on delivering insurance solutions that are clear, practical, and free from unnecessary complexity. He remains actively engaged in professional development, ensuring his advice reflects current industry standards and best practice.

      Beau places strong value on collaboration and long-term client relationships. Outside of work, he enjoys golf and football, reflecting his team-oriented mindset and active approach both professionally and personally.

      Alex Petkovic

      Alex Petkovic

      Senior Insurance Broker  |  Development & Service

      With 27 years of experience in the insurance industry, Alex is a senior broker at Midland, recognised for his depth of knowledge, attention to detail, and straightforward approach. While he works across a broad range of businesses, he has a particular focus on clients in the construction and building sectors.

      Committed to keeping insurance clear and practical, Alex places a strong emphasis on honesty and client-first advice. He remains actively engaged with industry developments through ongoing professional development and research, and is also a natural mentor, regularly supporting and guiding emerging brokers within the team.

      Damien Lane

      Director

      Since 2001, Damien has been central to Midland’s evolution, bringing more than two decades of industry experience and a strong commitment to client-focused service. His expertise spans a wide range of sectors, with recognised depth in the brewery and distillery space.

      Working with independent brewers across Australia, Damien helps clients navigate complex operational risks with practical, grounded advice. He is known for his industry knowledge, clear communication, and ability to build enduring client relationships.

      Areas of focus

      Commercial Insurance

      Breweries & Distilleries

      SME Clients

      Complex & Hard-to-Place Risks

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