20/08/2026
If you've never heard of "contract works insurance," you're not alone – it rarely comes up until it's already a clause in your contract.
Here's the short version: public liability insurance is your builder's cover, for if they cause damage to your property. Contract works insurance covers the build itself – materials, fire, storm, theft – while the work's underway. For a renovation, arranging that cover is often down to you, not your builder. Worth five minutes with your insurer before work starts.
Learn more at: https://www.ourprojects.co.nz/articles/what-is-contract-works-insurance-nz
If you've never heard the term "contract works insurance" before, you're not alone.