Insights

How annual and single-project contract works insurance compare for Australian contractors — cost basis, tender certainty, administrative load, and the gaps that catch contractors out.

A plain-English glossary of Australian surety bond and commercial insurance terms for construction and mining operators.

What a surety bond is in Australian construction and mining, the three parties involved, why a bond is not insurance for the contractor, whether bonds are unconditional, the main bond types, who issues them and how a contractor qualifies.

A guide to public and products liability insurance for Australian construction, civil and mining contractors and their suppliers — how the two covers differ, what limits contracts specify, what principals require beyond the limit, and the exclusions that decide what is covered.

A guide to business interruption insurance for Australian construction, mining and industrial operators — what it covers, how insurable gross profit differs from accounting gross profit, how to set the indemnity period, the extensions that matter, and why claims fall short.

A guide to industrial special risks insurance for Australian mining, construction and industrial businesses — how ISR differs from a business pack, what it covers and excludes, how declared values and the limit of liability work, and what underwriters assess.

A guide to professional indemnity insurance for Australian engineering and design firms — what it covers, why it is required, how claims-made cover and run-off work, and the fitness-for-purpose trap.

An Australian CFO's guide to surety bond pricing — indicative premium ranges, the factors that drive them, how the cost compares with a bank guarantee, and how to reduce what you pay.

A guide to the insurance requirements a principal imposes on subcontractors in Australian construction — covers, limits, evidence, and the common gaps.

A guide to retention money on Australian construction contracts — how much principals withhold, what it costs the contractor, and how cash retention, bank guarantees and retention bonds compare.

A guide to the insurance and surety arrangements Australian engineering firms need — professional indemnity, public and products liability, where principal-arranged programmes leave gaps, and how bonding capacity is assessed for a services firm.

A clause-by-clause guide to contract security under the Australian standard forms — what AS 4000, AS 2124 and AS 4902 require, what 'unconditional' means in practice, and where a surety bond can be substituted.

An Australian CFO's guide to how surety bonds free up working capital by replacing cash-backed bank guarantees with unsecured surety capacity that sits outside bank facility limits.

A guide to how an Australian mine-site insurance program is structured and how risk and insurance differ between open-cut and underground operations.

A guide to contractors plant and equipment insurance for Australian construction and mining operators — what it covers, valuation, hired-in plant and the common gaps.

A guide to contract works insurance for established Australian construction and mining contractors — what it covers, how the sum insured is set, common exclusions, and how it fits standard contracts.