Civil Contractors Insurance
Protect your civil contracting business with insurance built for high-risk worksites, plant operations, underground service exposure, and public liability hazards faced across civil infrastructure projects.
Protect your business when things go wrong around people, property and underground assets
Civil works carry some of the highest-risk exposures in the construction industry. A trencher hits a water main. A pipe burst floods a property. A roller damages a road. An excavator contacts underground electrical services. These events can be catastrophic and extremely costly without the right insurance behind you.
Civil Contractors Insurance helps protect your business when your work causes injury, property damage, underground service strikes, project delays, or equipment damage. Insurance can respond to repair costs, legal liability, reinstatement of damaged services, contract requirements, and more depending on policy terms.
Coverite Insurance works with civil operators across Australia, including excavation crews, plant operators, drainage contractors, roadwork companies, utilities contractors, and subdivision specialists. We review your contract terms, risk profile, plant exposure and job types to ensure your cover reflects the real way you operate not a generic policy that leaves gaps.
Insurance for civil contractors working on infrastructure, utilities, and earthworks projects
We support civil contractors of all sizes from sole operators to large civil contracting companies. Our programs reflect site-specific hazards, principal contractor requirements, environmental risks, and complex public liability exposures.
Trusted Support When It Matters Most
Civil construction claims often involve multiple parties, complex liability arguments, environmental damage, and principal contractor investigations. Claims may require reports, site maps, Dial Before You Dig records, subcontractor statements, and strict contract compliance.
Coverite supports your business through every step from incident reporting to insurer negotiation ensuring you’re never left dealing with it alone.
Why clients choose us:
- Advisers who understand civil contract requirements and WHS obligations
- Support during underground service strikes, property damage and injury incidents
- Fast communication with assessors, repairers and insurers
- Clear guidance on subcontractor risk, principal indemnity and contract wording
- A long-term partnership focused on protecting your business and plant
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your business, your plant, and the work you complete, and we’ll search far and wide to find the right civil contractors insurance program.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key civil contractors cover we help arrange
Public Liability Insurance (Civil-Specific)
Protection for injury, property damage or underground service strikes caused by your civil contracting operations.
This includes:
- Damage to underground electrical, water, gas or communication assets
- Property or infrastructure damage caused by plant or machinery
- Injury to subcontractors, site personnel or members of the public
- Defence costs, legal expenses and investigation costs
- Cover that aligns with principal contractor and council requirements
Contract Works & Project Insurance
Covers accidental physical loss or damage to works under construction, including materials, roadworks, trenches, pipes, culverts and civil structures.
Ideal for:
- Subdivisions and infrastructure developments
- Drainage, stormwater, sewer and utility upgrades
- Road and asphalt projects
- Bridge and structural civil projects
Plant & Equipment Cover
Protection for owned or hired plant used on civil sites — including excavators, rollers, trenchers, graders, tippers and support machinery.
Includes:
- Damage, rollover, impact and collision
- Theft from sites and compounds
- Breakdown options for mechanical, electrical and hydraulic failure
- Road risk liability for registered plant
Environmental Liability
Essential for contractors working near waterways, roads, public assets or contaminated sites.
Covers:
- Sudden environmental damage
- Pollution or contamination events
- Clean-up, reinstatement and monitoring costs
- Council or EPA-related obligations