通常法律要求建筑商在建造住宅项目之前对该项保险进行投保。该保险用于承保建筑商无力偿债的风险，以便建造项目能够继续进行。

在可以为特定项目提供保险之前，建筑商必须具有该保险的资格。建筑施工主管的经验和建筑商财务实力对于确保建筑商有资格获得此保险很重要。

此处建议，建筑商应留出两个月的时间来申请建筑商保障资格。

Builder Indemnity or Home Warranty Insurance is commonly required of builders by law before construction of a residential project. The purpose of this insurance is to cover the risk of an insolvent builder so that a building project can continue.

Builders need to pass an eligibility test before insurance can be provided for a specific project. Experience as a building supervisor and financial security are important criteria to ensure eligibility.

As a guide, builder’s should allow up to two months for the eligibility requirements to be assessed and approved.

建筑工程保险对建筑商用于建筑项目的材料和工程面临的风险进行承保，其中，包括火灾，风暴，盗窃等。

公共责任保险承保对第三方造成的人身伤害或资产损害的风险。需要注意的是，此处的第三方并不包含您的员工。

非常重要的还有员工的工伤保险，在澳大利亚不同州所使用的名称不同。也有不同的法律要求会强制购买工伤保险。这是一项单独的保险，用来承保对工人的伤害。

当一个建筑工程项目完成时就需要考虑购买建筑物保险，无论是自住房屋建筑，还是投资房屋建筑，或着是商业建筑。

Contract Works and Public Liability Insurance is usually a two-in-one insurance policy a builder can take up before commencing.

Contract Works covers the builder’s materials and work against perils such as fire, storm, and theft of materials used in the construction project.

Public Liability covers risk of injury or damage to a third party.

It is also important to note that Workers Compensation (other names used in different parts of Australia) is a separate insurance to cover injury to workers.

Building Insurance for Home Building, Landlord Building or Commercial Building should be considered when a construction project is completed.

Not sure which type of insurance policy you need? Please contact us：

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