Workers compensation wages for builders: declarations and premium audits
The premium is only as accurate as the wages behind it. Here is how declarations are built, what an audit checks and the records that let a builder answer quickly when the insurer asks.
11 min read
Topic
Insurance
Articles and news about Insurance for Australian builders.
Workers compensation wages for builders: declarations and premium audits
The premium is only as accurate as the wages behind it. Here is how declarations are built, what an audit checks and the records that let a builder answer quickly when the insurer asks.
11 min read
Workers compensation and insurance after a site injury: what it costs the business
Regulator notification is one obligation after a site injury. The insurance and premium consequences are a separate set of problems, and they arrive later, on a renewal notice you did not expect.
11 min read
Managing tools and equipment across multiple sites
Tools that move between jobs are the hardest assets a builder owns to account for. A register, a movement rule and honest insurance disclosure do more for your margin than any lock.
13 min read
Home building compensation: when it is required on NSW residential work and when it is not
Home building compensation sits outside the claims process: it is a licensing condition on most residential work over the threshold. Getting the trigger wrong exposes you to penalties, a stop-work order and a contract the homeowner can walk away from.
11 min read
Building defect liability and insurance: what NSW builders actually need to cover
Defect liability is a legal exposure; insurance is how you transfer part of it. The two only line up if you read the policy against the defects you actually build, and manage the job so a defect never becomes a claim.
12 min read
HBCF eligibility and premiums: how an insurer assesses a builder
Eligibility for the Home Building Compensation Fund is not a form you fill in once. It is an underwriting decision about your business, and it is reviewed against the work you are actually taking on.
11 min read
Which insurance cover a building business actually needs
Most builders carry insurance because a contract demands it, not because they have matched the cover to the work they actually do. This is the cover checklist to run against your business.
11 min read
Where CPD sits among the rest of a builder licence holder’s duties
CPD is one obligation among several that sit on a licence holder, and it is the only one that is self-recorded and only checked if you are audited. A calendar that ties it to renewal, insurance and record keeping stops it being remembered only when something else goes wrong.
10 min read
How many jobs a builder can run at once is set by supervision time, not turnover
Most builders work out how many jobs they can run by looking at turnover, head count or the size of the pipeline. The binding constraint is usually none of those. It is the number of hours of supervision you can actually put on site in a week.
12 min read
Claiming against the NSW Home Building Compensation Fund: what builders owe when a homeowner lodges a claim
The Home Building Compensation Fund sits behind residential building work when a builder cannot finish the job or fix defects. Understanding the claim pathway, and your obligations while it runs, is what keeps a claim from becoming a licensing problem.
10 min read