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Contract Works Insurance covers the construction related activities of a construction project all packaged into one policy. It can be taken out to cover a specific project, or annually to cover several projects.

Policies can include cover for material damage occurring on the job site.  There is optional coverage for plant, equipment and tools if required.

Contract works insurance also features coverage for the following items which can be additional contractual requirements under a construction contract such as:

• professional fees
• debris removal
• defects liability period
• principal supplied materials
• inland transit
• off-site storage
• escalation/variations cost
• search and locate costs

As well as being a common contractual requirement, having public liability insurance is just good business practice . Claims against you can run into millions of dollars. However, what about liability claims after the works have been completed and handed over?  

Incidents that are attributable to your works after completion is known as products liability. It provides cover for property damage or bodily injury to third parties arising out of a defective product manufactured through your past business activities. 

These risks are open-ended, as they can arise from occurrences that may happen at any time in the future.  The most effective way to manage your differing exposures is to have a combined public and products liability insurance policy.

This type of policy ensures consistent claims responses and covers you for all of your works. Having this type of policy means continuous coverage in place for occurrences that happen at any stage throughout the policy year. Irrespective of whether the claim against you arises from your current works in progress or your completed works. 

If your business provides advice or professional services, professional indemnity (PI) insurance is essential protection. It safeguards your business against claims arising from actual or alleged negligence, errors, or omissions in the advice or services you provide that cause financial loss or other damages to third parties.

Even with the best intentions and expertise, mistakes can happen, and defending against a claim can be costly and time consuming. You could be held responsible not only for your own actions, but also for those of your employees, partners, or consultants.

Profession indemnity insurance covers the legal costs of defending a claim, as well as any compensation payable to third parties (where applicable).

Common exposures include:

• Design and construct projects
• Incidental design or specification alterations during construction
• Building design work
• Project and construction management
• Vicarious liability for negligence of other professionals (e.g. architects or engineers)
• Product specification advice
  

Whether you operate a single vehicle or a full fleet, commercial motor Insurance protects your business against the financial impact of accidents, theft, or damage involving company vehicles.

It can cover repairs or replacement of your vehicles, as well as liability for damage to other people’s property. Tailored options are available for cars, utes, trucks, trailers and plant equipment, ensuring your business stays on the road and operational.

Plant & equipment insurance protects your machinery and tools against loss or damage from risks such as theft, fire, or accidental damage, whether they’re on-site, in transit, or in storage.

Cover can extend to owned, hired-in, or leased equipment, helping keep your projects running smoothly and minimising costly downtime.

In today’s digital world, cyber insurance is essential for any business that stores data, uses email, or relies on technology.

 It protects your business against financial losses from cyberattacks, data breaches, ransomware, and other online threats.

Cover can include the cost of data recovery, business interruption, regulatory fines, and managing reputational damage following a cyber incident.

Management liability insurance protects company directors, officers, and the business itself against the risks that come with running a company. It covers claims alleging mismanagement, breaches of duty, employment practices issues and more.

Even with the best governance, allegations can arise, and defending them can be costly and time-consuming. This cover helps safeguard both your personal and business assets from the financial impact of such claims.

Business pack insurance combines a range of essential covers to protect your business assets, income, and operations all in one convenient policy.

It can include protection for property damage, theft, business interruption, public and product liability, glass, money, and electronic equipment, among others. 

Whether you run a small business or a growing enterprise, a tailored business pack ensures you’re covered for the risks most relevant to your industry.

Strata insurance provides protection for buildings and common property that are collectively owned under a strata title, such as apartments, townhouses, or commercial complexes.

It covers damage to the building structure and shared areas from events like fire, storm, or vandalism, as well as liability for injury or property damage that occurs on common property.

Policies can also extend to cover machinery breakdown, loss of rent, office bearer’s liability, and other key risks depending on the property type.

At Portelli Risk Solutions, we can assist with all other classes of general insurance, including both business and personal cover.

From your home, car and investment properties to your business assets and liability needs, we have access to a wide network of insurers and underwriting agencies to find the right protection for you.

Our goal is to make insurance simple, provide tailored advice, and ensure you’re properly covered across all areas of general and personal insurance.

• Tool & Equipment Cover
• Trades Liability 
• Trade Credit Insurance
• Surety Bonds
• Owner Builder Contract Works (Material Damage & Liability)
•  Industrial Special Risks (ISR) 
•  Marine Transit & Cargo 
• Landlord Insurance
• Home & Contents
• Holiday/ Airbnb Rental Cover
• Property Owners  
• Builders Warranty / Home Warranty
• Medical Malpractice
• Allied Health PI
• IT Liability
• Real Estate Agent PI
• Association Liability
• Farm Package