Builtin specialise in guarantees and insurance for builders and specialist trades. We aim to make the process of getting a quote and arranging cover that’s tailored to your business as quick and easy as possible, and our experienced staff are always on hand to answer your questions.

Builtin are not brokers, we work with a select number of insurers based on their terms, pricing and service to provide the best possible cover for tradespeople, at the best possible price.

Public liability insurance

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

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.

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.

LBP Professional Indemnity

This covers the costs of defending a complaint to the Building Practitioners Board, liability for damages from mistakes made in RBW Records of Work documentation and claims arising from LBPs supervising non-LBPs performing restricted building work. Read more.

Contract Works Insurance

Whether you’re building new or doing an alteration, extension or renovation, your contract and/or the mortgage lender will require that contract works insurance is arranged to cover the work.  Also known as builders risk, the policy covers sudden and accidental loss or damage to the works specified in the contract. Read more.

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.

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.

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.

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.

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.

Homefirst Builders Guarantee

A Homefirst Guarantee gives homeowners peace of mind that their investment is protected by an independent third party guarantee for 10 years. It also covers the builder for the potential cost of having to fix future defects. Read more.

Small Project Guarantee

Builtin’s Small Project Guarantee is designed for residential building projects up to $30,000. Available from accredited builders, homeowners can apply & pay for the Guarantee online. It also covers the builder for the cost of having to fix future defects. Read more.

WaterTight Warranty

Having a 10 year WaterTight Warranty on recladding work gives confidence to potential purchasers that it has been carried out by an accredited professional builder. Homeowners can be assured that an independently insured warranty is in place to remedy future defects in the work, regardless of what's happened to the original builder. Read more.

Commercial Defects Guarantee

Builtin's Commercial Defects Guarantee gives peace of mind to commercial building owners that defects will be remedied immediately, even if the cause is being disputed by the parties involved or the responsible party can't be found. Read more.