Public Liabilty insurance covers OTRS for injury or damage to people or property which may occur during the course of work, to the value of $1million.

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Home Building Warranty insurance or Home Owners Warranty provides protection for consumers against a builder's breach of statutory warranty. One misconception in the marketplace is that it protects the builder, when in actual fact it was developed to insure home owners and consumers against losses incurred through the death, disappearance or insolvency of their builder during construction.

It's required for any residential building work or kit home where the work requires a licence and the value of the work is over $12,000.

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A Workers Compensation policy covers anyone employed by the builder or tradespreson who is injured on the building site. It is in your interest to make sure that employees of anyone on site are covered by their employer for workers compensation. If these employers are not insured you could be liable to pay the costs of any claim. A builder or tradesperson who does not operate under a trade or company name cannot usually take out insurance to cover themselves and in some circumstances it may be found that these people have actually become your employees under the Workers Compensation Act 1987 .

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