New Zealand's construction insurance experts for more than 20 years.
Business Insurance
Choose liability, tools and vehicle cover for your trade business.
Contract Works Insurance
Ideal for residential
and light commercial projects.
Builders Guarantee
Become accredited for Builtin's Residential Completion Guarantee.
Design & Construct Professional Indemnity
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Contract Works Insurance
Get an instant quote and arrange cover for your new home, alterations or light commercial construction project.
Helping Builders for 23+ Years
More than 2,500 Customers Nationwide
Residential Builders Guarantee
Do your clients (or their bank) want a guarantee that their project will be completed? Builtin's Residential Completion Guarantee does just that
Why Choose Builtin?
Our mission is to help Kiwi construction and trade businesses manage their risk. From insurance to construction-focused risk advice, our team of experts will deliver the best possible results, quickly and cost effectively.
Industry Expertise
More than 23 years experience in the New Zealand construction industry
Tailored Solutions
Insurance coverage designed specifically for your business
Dedicated Claims Support
Our claims support team get your claim settled as soon as possible
Try Our Free Construction Risk Audit
This 10 minute assessment will help uncover the gaps in your risk management system. At the end you can download the report.
Articles
Expert insights and advice for construction professionals
Auckland Developer Convicted of RMA Breach
An Auckland developer was convicted of breaching their Resource Consent and fined almost $50,000. Site run off is a common example of a Resource Management Act breach. Statutory liability insurance no longer covers RMA fines.
Fire & Emergency Levy Changes Effective 1st July
From 1st July the compulsory Fire & Emergency Levy collected on every contract of insurance that covers fire will change. In many cases this will result in a reduction in the levy payable. The exception is on light vehicles, those insured for third party only (previously not levied) and some commercial buildings.
Insurer loses court battle over contract works insurance claim
In this case of a contract works insurance claim for storm damage the Court held that the insurers were liable for the remedial work to fix the damage, even though the same work was required to fix defective work.
Court confirms builders can’t delegate their duty of care for building code compliance
In a recent case the Court of Appeal found that builders who assume responsibility for construction are, like Councils and developers, generally subject to a legal duty to ensure compliance with the Building Code, even if they have delegated the work to subcontractors. The Building Act already makes this clear for residential building work and builders can’t contract out of it.
Don’t pay more than you have to – what is “betterment”?
A builder is not legally liable for “betterment,” but is only liable for the actual value of the property they have damaged. In legal terms, property damage claims are governed by the principle of indemnity. The goal is to put the injured party back into the exact financial position they were in right before the damage occurred, no better and no worse.
Common gaps in public liability insurance coverage for construction contractors
For building contractors, public liability insurance is often seen as the ultimate safety net. It’s intended to protect you from the cost of accidentally damaging other people’s property. However, most liability policies contain exclusions that can leave contractors financially exposed in some circumstances. Understanding these critical gaps allows the contractor to be hyper-aware of the risk and implement other risk mitigation practices, so that the lack of insurance coverage never becomes an issue.
For Tiny Home, Modular and Offsite Builders
Builtin's tailormade cover includes stock on hand and the construction and transit of tiny homes and other offsite built residential dwellings under a single policy.
Client Testimonials
Expert insights and advice for construction professionals
Penny & Sissi
Choice Tiling NZ Limited
"Builtin are very helpful, they always get back to us whenever we need something and you give us great professional advice."
Ray Watkins
Ray Watkins Building Contractors
"I couldn't be more impressed. Claims have always been handled quickly, without any hassles."
Josh Bosher
Spacial Constructs Limited
"You guys are the best, super fast responses are what I've always appreciated. I’ll recommend you and the team for sure."
Professional Indemnity for Construction Contractors
This is a must have for any contractor that provides project management and/or construction management services. As well as main contractors involved in both design & construction.
Our Insurance Partners
Our Industry Partners
