Construction
Protecting your build from the ground up
Construction
Protecting your build from the ground up
At Commercial and Rural Insurance Brokers, we’re not just insurance brokers — we’re part of the Central Otago community. Our team brings local knowledge, industry expertise, and a genuine commitment to supporting the builders, contractors, and property owners who keep our region growing. Construction projects come with unique risks that don’t fit neatly into standard insurance categories - and that’s where we step in.
At C&R Insurance, we serve the construction needs of Central Otago and Southland with straightforward, people‑first advice. Because we believe insurance should be personal, we come to you, valuing face‑to‑face conversations that help us understand your project, your timelines, and your responsibilities on‑site.
We assist individuals, families, and businesses navigate the complexities of construction cover - whether you’re building a new home, renovating, managing subcontractors, or running large‑scale commercial works. As a brokerage, our role is to understand your situation, explore the market, and connect you with policies that offer the right protection, flexibility, and peace of mind.
We work across a wide range of specialised construction scenarios, including contract works, tools and equipment cover, liability protection, project‑specific extensions, and insurance for builders, tradespeople, and property owners.
Protect your build with cover that keeps your project moving, no matter what happens on site. Talk to our team to secure the right construction insurance from planning through to completion.
Specialist cover for builders, trades, and homeowners navigating today’s construction risks
Whether you’re a builder managing multiple projects or a homeowner undertaking renovations, construction insurance is essential. Every build carries risk — and with the 2026 shift to proportionate liability, having the right protection in place matters more than ever.
We help clients arrange cover for:
Builders — including contract works insurance to protect materials, the structure, and rebuild costs following fire, theft, vandalism, or natural disasters.
Homeowners — ensuring your house insurance remains valid during renovations or new builds, and that new mandatory home warranties are in place for qualifying projects.
Key protections now required or commonly used include:
Mandatory home warranties for new builds and major renovations, providing a one‑year defect period and 10‑year structural warranty.
Professional Indemnity insurance for architects and engineers, now compulsory under 2026 legislation.
Contract Works cover, arranged by the builder or homeowner depending on the project.
Public Liability insurance to protect against third‑party property damage or non‑ACC injuries.
Additional options for broader protection:
Annual Contract Works for builders running multiple jobs.
Contractor’s Plant & Machinery for tools, equipment, and heavy machinery.
Statutory Liability for unintentional breaches of NZ legislation.
Advanced Consequential Loss to protect against financial impacts from insured delays.
Common exclusions to be aware of:
faulty workmanship, gradual deterioration, and existing structures unless specifically added.
We’ll help you choose the right structure for your project, ensuring your build is protected from planning through to completion.