Builtin works exclusively with construction and specialist trades businesses, which means our premiums are competitive and our policies are designed to suit the risks trade professionals face.

This includes scaffolders, landscapers, bricklayers, concrete placers, plasterers and gib stoppers, fencers, gasfitters and drainlayers, glaziers, carpenters and more.

Public liability insurance

This covers claims for accidental property damage or loss (and in some cases injury). Our policy automatically includes license defence covercover for the building you're working on and optional cover for damage caused by faulty workmanship and professional advice or service. Read more.

Public Liability Insurance

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Statutory liability insurance

This covers you for the fines and penalties imposed under New Zealand Acts of Parliament.  It also covers the costs of defending these cases in court if necessary.  While health & safety fines cannot legally be insured for, the policy will pay legal defence costs if you're prosecuted and reparations if they are awarded by a judge. Read more.

Statutory Liability Insurance

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Errors and Omissions (E&O) Indemnity

This is professional indemnity insurance for building & trade professionals.  It will cover your legal costs and damages if you and/or your business are held responsible for a mistake that has caused someone a financial loss. Read more.

Errors & Omissions Indemnity

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Tools & Mobile Assets Insurance

Cover the cost of replacing your tools & other mobile assets if they're stolen or damaged.  Benefits include replacement value cover, so you can buy new for old, and fast claims response times, so you can be back up and running quickly. Read more.

Tools Insurance

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Commercial Vehicle Insurance

Protect your business vehicles anywhere in New Zealand. Comprehensive, Third Party Only and Third Party, Fire & Theft options are available. Builtin's policy automatically includes signwriting at no additional cost. Read more.

Commercial Motor Vehicle Insurance

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Subcontractors Payment Guarantee

If you’re sub-contracting and your main contractor goes bust you could lose thousands in unpaid invoices. Builtin’s Subcontractors Payment Guarantee pays 75% of the money owing to you if this happens. Read more.

Subcontractors Payment Guarantee

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Illness & Income Protection

While it’s common for tradespeople to insure their vehicle, in fact your most valuable income earning asset is probably yourself. If you’re offline for any length of time then your business and your income may suffer directly. Read more.

ACC Optimisation, Illness & Income Protection

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Retention/Defects Liability Bonds

Every year hundreds of construction companies in New Zealand cease trading, often leaving their subbies thousands of dollars out of pocket. A retention bond means your own money isn’t at risk. You get paid in full and there’s no chasing to get your money back at the end of the maintenance period. Read More.

Retention Bonds

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