Construction

At Smith & Lane Insurance, we understand the complex and fast-moving risks faced by businesses
operating in the construction industry. Whether you’re working across residential builds, commercial projects, or civil works, we tailor insurance programs to suit the realities of your contracts, your exposures, and your compliance requirements. Our goal is simple: to protect your business so you can focus on delivering projects with confidence.

Key Risk Exposures

Construction businesses face a range of risks across projects and on-site work that need careful management.

Coverage designed to address these risks and protect your business:

Contractual liability and indemnity obligations
Defective workmanship and resultant damage
Damage to works in progress
Theft of materials, tools and equipment
On-site injury to workers or third parties
Plant and machinery theft, damage or breakdown

Weather events and storm damage
Subcontractor and labour hire exposures
Delays, disputes and project interruption
Regulatory and compliance breaches
Fire risk and hot works

Why Choose Smith & Lane ?

Specialised Coverage

Our insurance policies are specifically designed to meet the needs of businesses in the height safety industry, covering a wide range of risks and liabilities

Competitive Rates

We strive to offer competitive rates without compromising on the quality of coverage, ensuring that you get the best value for money

Industry Expertise

With years of experience in the insurance industry and a deep understanding of the height safety sector, our team of experts can provide you with personalised advice and solutions

Exceptional Service

Our dedicated team is committed to providing prompt and reliable service, offering assistance every step of the way, from policy selection to claims processing

Comprehensive Protection

From public liability insurance to professional indemnity and property insurance, we offer a comprehensive range of coverage options to protect your business against unforeseen events

Who We Work With

We support businesses across the construction industry, covering a wide range of sectors and project types.

Smith & Lane can assist if you operate in any area of construction including:

Residential builders and developers
Commercial builders and shopfitters
Civil contractors and earthworks
Concrete and formwork contractors
Carpentry, framing and roofing trades
Demolition and excavation
Fitout, refurbishment and renovation works
Project management and construction consulting
Subcontractor-heavy businesses
Labour hire exposures

Our Insurance Solutions

Builders Warranty Insurance

Required cover for eligible residential building works (state-based). We help ensure you meet contract and licensing requirements

Contract Works Insurance

Protection for projects under construction, including damage to works, materials, and often temporary structures

Public & Products Liability Insurance

Cover for claims arising from third party injury or property damage caused by your business activities

Professional Indemnity Insurance

Important for builders, design & construct contractors, and project managers where advice, design, or specification risk exists

Plant & Equipment Insurance

Cover for owned or hired plant, machinery, tools and mobile equipment — including theft, accidental damage and breakdown (where applicable)

Property Insurance

Protection for your premises, office contents, and stored materials against fire, theft, storm and other insured events.

( Products can be tailored depending on your operations, contract requirements, and turnover )

Build with confidence with Smith & Lane – Your Construction Insurance Partners in Australia

today for a consultation and discover how we can safeguard your projects and elevate your peace of mind.