Fahrenheit
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You run the business. Insurance shouldn’t slow it down.

Explore business insurance options based on the work you do and how you operate.

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Request a quote

What does your business do?

Not listed? Type it in your own words and press Continue.

Submitting this form does not arrange insurance. We'll use your details to help progress your enquiry.

Don’t let insurance hold up the next job.

A new job, contract or piece of equipment can change the insurance your business needs. Knowing what’s required early means it can be sorted before work starts, so you can get on with the job.

  1. New contract

    Check the requirements

  2. New vehicle

    Update the cover

  3. Bigger job

    Make sure your insurance still fits

Find insurance that fits your business

Common types of business insurance.

Explore coverFind your trade
Rope-access worker cleaning windows on a heritage buildingPublic liability for a window cleaning business that works at heights

  1. Cover if your work injures someone or damages their property.

  2. Cover for construction work while the project is underway, including the work itself and materials on site.

  3. Cover for the tools and portable equipment your business relies on if they are stolen, lost or damaged.

  4. Cover for the utes, vans, trucks and other vehicles you use for work, from a single ute to a fleet.

Common questions

What's the difference between a broker and buying direct?

Buying direct generally means considering the products offered by one insurer. A broker may have access to products from multiple insurers and can help arrange cover, depending on their insurer panel and authorisations.

I already have insurance. How do I know it still fits my work?

Check that the activities listed on your policy match the work you're doing now, that the limits meet what your clients and sites ask for, and whether anything has changed since you took it out, such as new staff, equipment, vehicles or a new type of contract. Insurance that fitted last year's jobs might not fit the job you just won.

Is Fahrenheit an insurance company?

No. Fahrenheit is not an insurance company and doesn't issue policies. We publish general information about business insurance and take quote requests. Submitting a quote request does not arrange insurance.

How much public liability cover do construction businesses usually carry?

Limits of $10 million and $20 million are the most common in construction. The amount is usually set by the head contract, principal or site rather than chosen freely, and larger or higher-risk projects can ask for more. The insurance clause in the contract will state the figure.

Does public liability cover damage to my own work?

Generally no. Public liability is designed for injury to other people and damage to their property. Damage to the project you are building, or to your own materials, is usually a contract works matter, and your own tools are usually covered under tools and equipment insurance.

Does my public liability cover subcontractors working for me?

It depends on how the policy is set up. Some policies cover your liability for work you subcontract, while insurers often expect subcontractors to hold their own public liability. Many head contractors collect a certificate of currency from each subcontractor before they start.

What happens if I need to make a claim?

Generally you tell your insurer or broker as soon as possible, record what happened with photos and notes, avoid admitting fault, and keep receipts for any urgent repairs. The insurer will assess what happened against your policy terms, including your cover, exclusions and excess. Our claims guide walks through the steps in more detail.