We specialise in low cost cover for builders and all trades, including electricians, plumbers, gas-fitters, roofers, glaziers, carpenters, bricklayers, plasterers, painters and more.

Public liability policies provide protection against claims for compensation in respect of unexpected and unintended personal injury or property damage for which you may be legally liable arising out of your business activities.


The definitions of “personal injury” and “property damage” are broad. Personal injury extends beyond actual bodily injury to mental injury and defamation.  Property damage includes both loss of, or damage to, tangible property and loss of use of tangible property that is undamaged.

In addition, the policy covers the costs of defending these claims in court, as well as any necessary investigations or negotiations.

Because we work only in the building and construction sector our policies are  designed for you.

At Builtin we know that the building industry has specific insurance needs, which insurers in New Zealand don’t cover. That's why our policy is designed to make certain that you get the cover you really need.

In particular, our policy covers the building you're working on and liability for faulty workmanship, which are exclusions under policies offered by insurers here.

For more information about the liabilities you face as a building contractor, watch this short YouTube clip:


Click here for some examples of what could happen to you.

Click here to get an instant quote.
Click here to apply and get covered today.