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Posts by Petara Tanuvasa:

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Petara Tanuvasa Named Insurance Business Elite Broker 2026

Silverback Insurance Director recognised among Australia’s top insurance professionals

Silverback Insurance is proud to announce that Director Petara Tanuvasa has been named an Insurance Business Elite Broker 2026 — one of Australia’s most prestigious recognitions in the insurance industry.

The Insurance Business Elite Brokers list is compiled annually by Insurance Business Australia, recognising brokers who demonstrate exceptional client outcomes, technical expertise, and a commitment to going beyond the standard for their clients. Being named on this list places Petara among an elite group of the country’s best-performing brokers.

What the Recognition Means for Silverback Insurance Clients

This recognition is a direct reflection of the work we do for our clients every day. At Silverback Insurance, we specialise in construction insurance — helping builders, contractors, and developers across Australia protect their projects, their people, and their businesses.

Being recognised as an Elite Broker means our clients can be confident they are working with a broker who:

  • Understands construction risk from the ground up — Petara’s background in claims and construction gives Silverback a unique edge in identifying and managing risk before it becomes a problem
  • Delivers real solutions, not generic policies — every client receives a tailored insurance strategy aligned to their specific project type, contract requirements, and risk profile
  • Goes above and beyond at claims time — when it matters most, Silverback stands beside its clients to guide them through the process and advocate on their behalf

About Petara Tanuvasa

Petara Tanuvasa founded Silverback Insurance to solve a problem he saw repeatedly from both sides of the industry: builders were being underserved by insurers who didn’t understand construction.

Starting his career in claims, Petara developed a deep understanding of how losses happen on construction sites — and how the right insurance structure can prevent financial disaster. That knowledge became the foundation of Silverback Insurance, which has grown to serve builders and contractors across Queensland and Australia.

His recognition as an Insurance Business Elite Broker 2026 is the result of years of dedication to the construction sector and a relentless focus on client outcomes.

Specialist Construction Insurance in Australia

Silverback Insurance provides specialist construction insurance solutions including:

  • Contract Works Insurance — protecting your project from physical loss or damage during construction
  • Public Liability Insurance — covering third-party injury and property damage claims
  • Professional Indemnity Insurance — protecting design-and-construct builders from professional liability claims
  • Home Warranty Insurance — mandatory cover for eligible residential building work
  • Workers Compensation Insurance — meeting your obligations as an employer on site

Whether you’re a sole trader builder, a medium-sized construction company, or a developer managing multiple projects, Silverback Insurance provides the expertise and access to market that protects what you’ve built.

Get in Touch

If you’d like to work with an award-winning construction insurance broker, we’d love to hear from you.

📞 0410 152 835
✉️ [email protected]
🌐 silverbackinsurance.com.au

Or book a free 15-minute consultation online.

Silverback Insurance Pty Ltd is a Corporate Authorised Representative (No. 1283436) of Australian Broker Network Pty Ltd (ABN 60 167 087 354, AFSL 457505).

Design and Construct Quote

DESIGN AND CONSTRUCT INSURANCE quote

INSURANCE – DESIGN AND CONSTRUCT INSURANCE – Quote

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PROPOSER’S DETAILS

1.4 Please provide the following details:

1.5 Please provide the following details for each of the Proposer’s principals, partners or directors;

1.6 Has any principal, partner or a director been working in the relevant industry or occupation for less than 3 years?
1.7 Does the Proposer or any of its principals, partners or directors currently hold membership of any professional body or association?
1.8 Is the Proposer or any of its principals, partners, directors or employees required to be licensed or registered under any government legislation or regulation?
Are all such licences/ registrations current?
Has the Proposer or any its principals, partners, directors or employees ever had any such licence or registration cancelled, suspended, revoked or made subject to special conditions?

Please provide the current full time equivalent number of staff in the following categories (total for all entities in Q1.1 above);

PROFESSIONAL ACTIVITIES

2.2 Please provide the number of permanent employees of the Proposer with the following tertiary level qualifications (bachelor degree or higher) who are involved in the professional activities of the Proposer:

2.3 Has the Proposer ever been involved in any project utilising design, technology or methods that could reasonably be regarded as new or innovative?
2.4 Has there been any substantial change in the professional or business activities of the Proposer or the number of professional employees (as described in Q2.1 and Q2.2 above) in the last 2 years?
2.5 Does the Proposer envisage any change in their professional or business activities, or the commencement of any major new operations during the next 12 months?
2.6 Is the Proposer aware of any professional or business activity that has been conducted by the Proposer (or their predecessors in business) in the past that is no longer conducted by the Proposer?

If Yes, please provide the following details on a separate attachment.

- Type of business/ activity.
- Period during which such business/ activity was conducted.
- Approximate % of gross fees/ income derived from such business/ activity during applicable period.
- Reason for business/ activity being discontinued.

2.7 Has the Proposer ever traded under any name other than those declared in Q1.1 above?
If Yes, please provide the following details;
2.8 Has the Proposer ever been involved in any merger or acquisition in the last 5 years?
2.9 Does the Proposer or any of its principals, partners or directors currently hold a financial or managerial interest in any other entity or business not declared in Q1.1 above?
2.10 Has the Proposer in the last 10 years held a financial or managerial interest in any other entity or business not declared in Q1.1 or Q2.7 above (or a predecessor in business of such entity or business)?
2.11 Has the Proposer ever been engaged on a project in which it held an equity interest?
2.12 Has the Proposer ever experienced any difficulties with cash flow, given consideration to potential insolvency or administration, or is there any reason to believe that the Proposer may experience financial distress during the policy period?
2.13 Has a claim ever been made against the Proposer under the Security of Payments Act and/ or has the Proposer ever been in breach of any payment terms with suppliers or sub-contractor?
2.14 Has the Proposer ever engaged in the manufacture or fabrication of any pre-engineered unit or assembly?
2.15 Has the Proposer been involved in any form of joint venture in the last 10 years?

REVENUE

3.2 Please provide the Proposer’s total revenue:

Please Note - Include income from joint ventures and fees attributable to consultants, sub-contractors, etc.

Current financial year (estimate):
Last financial year (actual):
Previous financial year (actual):

Please provide a breakdown of the Proposer’s total revenue as provided in Q3.2 above into the following categories:

Contract Type/ Source of Revenue

Revenue derived from contracts where the Proposer was responsible for both design & construction/ installation/ manufacture & undertook the design themselves.

Revenue derived from contracts where the Proposer was responsible for both design and construction/ installation/ manufacture, but sub-contracted the design.

Fees received for design only contracts including reports, consulting engineering services, feasibility studies, etc.

Fees received from contracts where the Proposer was engaged as a Project/ Construction Manager or to supervise construction.

Revenue derived from contracts where the Proposer undertook construction, erection, installation or manufacturing activities, but had no responsibility for design or project management/ supervisory services.

Revenue not included above. Please provide details of the nature of the activities from which such revenue is derived.

Please Note – Revenue declared in this question must be equal to the total revenue declared for the last financial year and the current financial year in Q3.2 above.

3.4 Please provide a breakdown of the Proposer’s total revenue derived from each of the following contract/ project types for the last financial year as provided in Q3.2 above:

Contract/ Project Type
Has there been any material change to the breakdown between professional and non-professional activities, as described in Q3.3 above, undertaken by the Proposer in the last 3 years?
Has there been any material change to the nature of the projects, as described in Q3.4 above, undertaken by the Proposer in the last 3 years?

3.7 In respect of total revenue earned for the last financial year, please provide a breakdown by state.

3.8 In respect of total revenue earned for the last financial year, outside of Australia, as declared in Q3.2, please provide a breakdown by country.

3.9 In respect of total revenue earned for the last financial year, outside of Australia, as declared in Q3.2, was any such revenue derived from contracts or agreements that are subject to foreign law?
3.10 Have the levels of revenue and / or countries declared in Q3.8 and Q3.9 varied materially during the last 3 years?
3.11 Does any single client or contract represent more than 30% of the Proposer’s total revenue in any one of the last 3 financial years?

3.12 Please provide details of the 5 largest contracts or projects (by contract value) undertaken by the Proposer during the last 5 years:

Completed
3.14 Are the contracts/ projects declared in Q3.12 consistent with the Proposer’s normal business and professional activities as otherwise described in this proposal form?

RISK MANAGEMENT

4.1 Does the Proposer have in place any formal risk management, quality control and/ or compliance programmes and/ or procedures?
Are such programmes and/ or procedures subject to regular review?
4.2 Does the Proposer have in-house legal counsel?
4.3 Does the Proposer always confirm verbal reports in writing?

4.4 Please describe by a separate attachment any formal procedures in place in respect of the following:

a. ISO or other third-party accreditation for risk management programmes and/ or procedures utilised not
described in Question 4.1 above.

b. Provision of staff training in respect of the content and application of risk management programmes and/ or
procedures?

c. The identification and reporting of incidents or facts which may give rise to a professional indemnity claim.

d. Processes in place to review methods, practices, procedures etc. with the intention of avoiding the re-occurrence of
any past incidents or circumstances which may give rise to a professional liability claim?

e. Peer review and/ or dual sign-off or approval procedures in respect of any aspect of the business or professional
services provided by the Proposer.

f. The identification and management of conflicts of interest (both corporate and personal).

g. Where other locations of operation are noted in Q1.3 of this proposal, please provide details how the Proposer
ensures compliance with all corporate policies and procedures at such locations.

h. When were such procedures established, how regularly are they reviewed and by whom?

If such procedures are not in place, please advise how these exposures are managed.

CONTRACT MANAGEMENT

5.1 Does the Proposer have in place any formal procedures to evaluate and approve new clients, contracts and/ or tenders?
5.2 Does the Proposer use a standard form of contract or terms of engagement?
If Yes,
Are all non-standard contracts or terms of engagement legally reviewed prior to signing to assess any additional liabilities that may be assumed by the Proposer under such contracts?

5.3 Please describe by a separate attachment any applicable formal procedures, guidelines or due diligence processing that are in place when assessing the following contractual provisions or exposures:

Does the Proposer limit its contractual liability with clients:
Does the Proposer ever accept liability for consequential loss under contract?
Has the Proposer ever entered into hold-harmless agreements or otherwise waived any legal rights or entitlements which it may have against such consultants, sub-contractors or agents?
Does the Proposer ever agree to contract out of proportionate liability?
Does the Proposer ever agree to Deeds of Novation/ Novation Agreements?
Does the Proposer ensure that the scope of professional services to be performed are always clearly stipulated in the contract or terms of engagement?

CONSULTANTS, SUB-CONTRACTORS AND JOINT VENTURES

6.1 Has the Proposer ever engaged consultants, sub-contractors or agents?

6.3 If the answer to Q 6.1 is Yes,

Does the Proposer have any formal procedures or guidelines in place regarding the selection and engagement of consultants, sub-contractors and/or agents?
Has the Proposer always insisted that all consultants, sub-contractors and agents hold and maintain Professional Indemnity insurance?
Has the Proposer always used a standard form of contract with consultants, sub-contractors or agents?
6.4 Has the Proposer been involved in any form of joint venture in the last 10 years?

CLAIMS HISTORY

7.1 After appropriate inquiry, has the Proposer, or any of their current or former principals, partners, directors or staff members, or any of the Proposer’s predecessors, or any prior practice of any present or former partners, principals, or directors ever been subject to disciplinary proceedings or action for any kind for professional misconduct?

7.2  After appropriate inquiry, has the Proposer, or any of their current or former principals, partners, directors or staff members, or any of the Proposer’s predecessors, or any prior practice or business of any present or former partners, principals, or directors ever;

been subject to any claim made against them arising from any actual or alleged breach of professional duty, dishonesty or breach of any statutory provision?
notified any circumstance to an insurer that may give rise to such a claim?
7.3 Is the Proposer or any of its principals, partners or directors aware, after inquiry of all principals, partners, directors, managers and appropriate staff members, of any other facts or circumstances which may give rise to a claim of the type insured under this proposed policy of insurance (whether the Proposer considers themselves liable or otherwise)?
7.4 After appropriate inquiry, has the Proposer, or any of the Proposer’s predecessors, ever incurred any costs to rectify any fault or defect, or mitigate any potential or actual loss, arising from any actual or alleged breach of professional duty by them or any of their current or former principals, partners, directors or staff members, or any sub-consultant or sub-contractor for which they were responsible?

7.5 Is the Proposer or any of its principals, partners or directors aware, after inquiry of all principals, partners, directors, managers and appropriate staff members, of any current project or contract that is subject to:

any material delay in progress or completion?
any material cost overrun or adverse deviation from the project budget?

INSURANCE HISTORY AND REQUIREMENTS

8.1 Does the Proposer currently hold, or held in the past, a Professional Indemnity insurance policy?
If Yes, please provide the following details for the past 3 years;
8.2 Has the Proposer ever undertaken contracts for which a Specific Project Professional Indemnity insurance policy has been arranged?
If Yes, please provide the following details;
8.3 Has the Proposer ever had a Professional Indemnity insurance policy refused, cancelled or avoided, or had a renewal declined?
8.4 Has the Proposer ever had special terms or conditions imposed on a Professional Indemnity insurance policy by an insurer?
8.5 Has the Proposer ever had any entitlement to indemnity under any insurance policy denied or reduced due to non disclosure, misrepresentation or breach of a policy condition?
(Note: Limit of Indemnity may be inclusive of costs and expenses.)
(Note: Excess may be inclusive of costs and expenses)

8.8 Does the Proposer require any of the following Optional Extension to the policy?

Please Note:
- If the Proposer requests an Optional Extensions, the Insurer is not obliged to offer it.
- Where an Optional Extension is offered an additional premium may apply.
- The below are comments are for descriptive purposes only.
- To fully understand the nature and extent of indemnity provided by any Optional Extension, please read the relevant clause in the applicable policy wording and/ or seek advice from your insurance broker.

Automatic Reinstatement – Does the Proposer require an extension providing for the automatic reinstatement of the Limit of Indemnity?
Contractual Liability – Does the Proposer require an extension to provide indemnity under a hold harmless provision, or other contractual indemnities, in a client’s contract?
Third Party Liability – Does the Proposer require an extension to provide indemnity where the Proposer has waived or limited their rights of recovery or contribution against a third-party under a contract?
Proportionate Liability – Does the Proposer require an extension to provide indemnity for liabilities assumed under a contract by virtue of agreeing to contract out of proportionate liability legislation?
Novation Agreements – Does the Proposer require an extension to provide indemnity for liabilities assumed under a Deed of Novation or a Novation Agreement?
Principal’s Indemnity – Does the Proposer require an extension to satisfy a contractual obligation to extend indemnity under the Proposer’s Professional Indemnity policy to a principal under such contract?
Mitigation or Rectification – Does the Proposer require an extension to provide indemnity for the reasonable direct costs and expenses incurred in taking action to rectify or mitigate the unintended effects of an act, error or omission that would otherwise result in a claim indemnified under the Proposer’s Professional Indemnity policy?

Supported Documents

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Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Management Liability Quote

MANAGEMENT LIABILITY

INSURANCE – Management Liability – Quote

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General Information

Policy Details

History

Have You (the insured) or any of Your Directors ever had any insurance declined or cancelled by an insurer or had any special conditions imposed or suffered a loss where the cause relates to arson or fraud in the last five years?
Have You (the insured) or any of Your Directors, Officers or Senior Staff of the Insured ever been Bankrupt or been a Director of an organisation that was placed in Receivership, liquidation or provisional liquidation?
Have you (the Insured) or any of your Directors had any incidents, prosecutions (or attempted) prosecutions, fine or penalty under any government legislation or from any authority in regards your business, or any penalty adjustments from including under OH & S, environmental, fatigue or the like?
Have you (the Insured) or any of your Directors had any facts or circumstances and/or suffered any loss the subject of which you are submitting to be insured, or made any claims on any professional and financial risks policies, or related policies in the past five years?

 Cover Details:

 State

Human Resource Management:

Does the Company have written management guidelines for termination of employment?
Has there been, or will there be, any redundancies in the past/next 12 months?

Fraud Prevention Controls

a) Signing cheques, authorising payments or issuing funds transfer instructions above $5,000
b) Refund of monies or return of goods above $5,000
c) Reconciling bank statements

Overseas Cover

Do you operate in Australia / New Zealand only?

Solvency of Insured Entity:

a) Are your current assets greater than your current Liabilities?
b) Do you have any annually positive cashflow?

Outside Directorship Cover:

Do you want the Policy to provide cover for persons holding outside directorship positions?

Details of Insurance:

Optional Covers:

Extensions

Re-instatement Cover:

 Stamp Duty Exemption

Supporting Documents

Click or drag files to this area to upload. You can upload up to 5 files.
I agree to the Privacy Policy and Terms of Engagement.

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Cyber Protection quote

Cyber Protection

INSURANCE – Cyber Protection – Quote

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General Information

Policy Details

Annual Revenue for the last 2 years:

Is more than 25% of your revenue from the USA?
Do you have any financial nexus, financial agreements or contractual associations to countries other than Australia or New Zealand?

State:

Do you deploy a business grade firewall at all external gateways of your network and a business grade anti-virus application across your entire network, including servers or endpoints
You install critical patches within 30 days of release.
Data that is necessary to run the business is backed up by you (or your Cloud Service Provider) at least every 7 days
This backed up data is stored in an environment which is completely separate to your network and its integrity is tested at least every 180 days.
Where applicable you are compliant with the Payment Card Industry (PCI) Data Security Standards?
You are not aware of any matter that is reasonably likely to give rise to any loss or claim, nor have you suffered any loss, nor has any claim been made against you in the last 24 months which you would seek an indemnity for under our cyber insurance policy.
You secure remote access to your applications that are necessary to run your business with a minimum of 2 factor authentication

Optional Extensions

Funds Transfer Fraud:
Do you have a written procedure for validating all changes to vendor/client/customer contact details and/or bank account details in writing and then over the telephone with oral confirmation from the relevant employee/partner/director of the Insured or vendor/client/customer before the changes are actioned?
If yes, is that written procedure always followed?
Telephone Hacking:
Bricking Events:

Supporting Documents

Click or drag files to this area to upload. You can upload up to 5 files.
I agree to the Privacy Policy and Terms of Engagement.

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Professional Indemnity

Professional Indemnity

INSURANCE – Professional Indemnity – Quote

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Cover Limits

Please advise the preferred Indemnity Limit
Please advise the preferred Policy Excess

Insured Details

For the purpose of calculating Stamp Duty is all turnover performed in the same state as the Insureds address?

Insurance History

As at todays date does the Proposed Insured have Professional Indemnity Insurance currently in force that has been paid for?

Principals/Partners/Directors Details

Business Details

Have you previously undertaken any types of Professional Services which are not now undertaken?
Does any one contract or client represent more than 30% of the Proposed Insureds fee income
Please provide a brief description of the Proposed Insureds five (5) largest contracts or projects during the last 5 years:
Are any of the Proposed Insureds business activities performed outside of Australia or provided to clients based outside of Australia?

Claims History

Other issues to disclose

Has the Proposed Insured ever had any Insurer decline a proposal, imposed any special terms, cancelled or refused to renew a Professional Indemnity Insurance Policy?
Any Other Issues You Must Disclose under your Duty of Disclosure

Additional Information

Please provide any additional details or information that may be relevant to your inquiry.

Supporting documents

Click or drag files to this area to upload. You can upload up to 5 files.
Upload your completed proposals, valuations and any other supporting documentation

Document Confirmation

I confirm I have attached the following documents:
Privacy Policy

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Liability Insurance

Liability Insurance

INSURANCE – Liability Insurance – Quote

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Cover Limits

Please advise the preferred Policy Limit
Please advise the preferred Policy Excess
Product Recall Expenses
Errors and Omissions
Physical or Legal Control

Insured Details

For the purpose of calculating Stamp Duty is all turnover performed in the same state as the Insureds address?

Insurance History

Is the property currently insured?

Property Usage

Business Details

Do you own or use any unregistered vehicles, cranes or mobile plant and equipment?
Do you manufacture or import Products?
Do you strictly maintain a quality control program for all of your Products?
Are any of your products used in aircraft, watercraft, hovercraft, power stations, chemical plants, petrochemical plants, pharmaceuticals, mining or drilling sites?
Do you assume any liability under contract or hold harmless other parties under contract?
Will any Products be exported in the next 12 months?
Do you strictly maintain a product recall program?
Are any of the Proposed Insureds business activities performed outside of Australia or provided to clients based outside of Australia?

Claims History

Other issues to disclose

Additional Information

Supporting documents

Click or drag files to this area to upload. You can upload up to 10 files.
Upload any completed proposals, brochures/marketing material, risk engineering reports, financial statements, expiring insurer endorsements, etc. that may be relevant to your placement request

Document Confirmation

I confirm I have attached the following documents:
Privacy Policy

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Home Warranty Insurance quote

Home Warranty Insurance

INSURANCE – Home Warranty Insurance– Quote

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 Brokerage Information

Insured Details

Is mailing address same as business address?
Mailing Address:

Background (Current Alternate Providers)

Has any Registered Building Practitioner/ Partner/ Director ever obtained domestic building Insurance with another insurer?
Is the eligibility with this other insurer still current?

Has any Registered Building Practitioner/ Partner/ Director of the Builder:

1. Ever been involved in any business placed into external administration, liquidation, and receivership or entered into a scheme of arrangement (formal or informal)?
2. Ever been declared bankrupt, or ever entered into a scheme of arrangement, composition debt agreement or a personal insolvency agreement under the Bankruptcy Act?
3. Or any business in which you have been involved, been a party to any legal proceedings or been convicted of any criminal offences (excluding traffic offences) within the last 10 years?
4. Had a pending, or even been found guilty in a, disciplinary proceeding by any Tribunal, Board, Commission or Authority in relation to building work?
5. Had any claims (paid and unpaid) made against any domestic building insurance policy for work undertaken by you or any business you have been involved in?
6. Or any business in which you have been involved in ever been declined domestic building insurance or eligibility for domestic building insurance?

Limits Required

Please provide the limits you require in the upcoming 12 months.

Forward Pipeline

What is your forward pipeline for the next 12 months?

Average construction cycle

Are you seeking approval for Architect Managed and Tendered Projects greater than $750,000?

Eligibility Questions

1. Has the Building entity traded profitably with a net profit before tax as at the end of the last financial year?
2. Please confirm that the Builder remains solvent and can meet its obligations when and as they fall due and that to the best of your knowledge this will be maintained for the next 12 months.
3. Is the Builder applicant up to date with respect to its statutory obligations (e.g. ATO liabilities, GST BAS, Employee Superannuation, Payroll Tax, Workcover, Long Service Leave, Redundancy etc.)? This means that there are no outstanding taxation liabilities as at the end of the last financial year to the ATO.
4. In the last 12 months have there been any residential construction matters handled by any State-based tribunal or court that resulted in orders for rectification or payment against any ‘relevant person’ associated with this eligibility application or through any previous or current residential construction business of which they were/are a director/partner/principal/shareholder or nominated supervisor?

Builder’s Accountant Details:

Statement of Assets and Liabilities

Property
Motor Vehicle
Boat / Caravan
Investments
Other

Supporting Documents

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Information Check List

Ensure all Registered Building Practitioner / Partners / Directors have:
Additional Check List – Sole Traders:
Additional Check List – Companies:
Additional Check List – Group Structures:
Privacy Policy

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Contract Works and Public Liability quote

Contract Works and Public Liability

INSURANCE – Contract Works and Public Liability – Quote

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Construct Details

Works in, on or over lakes, rivers of the ocean, or any other body of water?
Works in or around airports that would require an Airside permit?
Works in or around railway trackwork or signalling works?
Maintenance only works
Pipelines over $10,000,000 in Contract Value
Construction Period longer than 3 years
Defects Liability Period longer than 12 months
Works of an experimental or prototypical nature?
 Do You require cover for:
Public Liability
Is it likely that any of Your projects will involve the following
Pre-Existing Property (NB: This is limited cover only)
Other Property (i.e. Display Homes or structures other than buildings on-site)
Current Projects (i.e. Projects You have on the go but are not completed as yet)
New Residential builds, Renovations and Alterrations

Insured Details

Disclosure

Are You or Your company being operated under any type of third party agreement?
Have You ever had Construction Insurance refused, declined or cancelled by an Insurer?

SECTION 1 — MATERIAL DAMAGE

SECTION 2 — THIRD PARTY LIABILITY

QUESTIONS ABOUT YOUR BUSINESS

Please provide details of Your Turnover for the last 5 years in the table provided below
POLICY PERIOD

QUESTIONS ABOUT YOUR RISK MANAGEMENT APPROACH

Does Your sub-contractor agreement require them to arrange their own CI insurance?
Do You utilise contract labour hire arrangements?

CURRENT PROJECTS (Go to Coverage Options if you do not have or do not wish SURA to insure your current projects)

Please declare to Us the projects that You currently have underway below

If You have more than 5 current projects, please complete a separate sheet

COVERAGE OPTIONS

How do You wish to insure Your projects?
How often do You wish to declare Your projects?
Do You wish to delete the automatic cover for Transit of materials?

SECTION 1 — MATERIAL DAMAGE

Employee Tools, Mobile Machinery And Equipment
Do You require coverage for Employee tools?
“Employee tools” means construction tools and effects owned or in the care, custody and control of Employees of the Named Insured up to a maximum new replacement value of $5,000 per item but do not include laptop computers, mobile. telephones, two-way radios or other voice transmitters or receivers, or personal organisers or cameras.
Do You require coverage for Mobile Machinery and Equipment?
“Mobile Machinery and Equipment” means hoardings, temporary buildings, scaffolding, falsework and re-usable formwork, Vehicles, hoists, cranes, earth moving equipment, air compressors, welding equipment and other similar plant whether self propelled or non self-propelled, used or to be used in the process of executing the Contract Works.
If Yes to any of the above, and the total replacement value of Your equipment is no more than $100,000 then We do not require a list of plant. Do You require coverage for hoists or cranes?
Please provide a list of the crane(s) You wish Us to insure in the space provided below
HIRED-IN MOBILE MACHINERY AND EQUIPMENT
Do You require coverage for hired in Mobile Machinery or Equipment?

OTHER PROPERTY

Display Homes (List your display homes in the space provided below)

Any Other Property (List any other structures on Your property You wish to insure)

SECTION 2 — THIRD PARTY LIABILITY

OTHER BUSINESS

Do You required broadform liability coverage for other business activities?

QUESTIONS ABOUT THE PROJECTS YOU EXPECT TO COMMENCE DURING THE NEXT 12 MONTHS

In the spaces provided below, indicate the main type of activities that You do by entering a % of the amount You entered for above
“Building” means You construct the whole project (i.e. You are a head contractor or the principal).

CATEGORY

Will any of these projects require only a difference in conditions, difference in excess (DIC/DIE) to any other construction insurance policies?
Any structural demolition or demolition over 3 storeys in height?
Do You expect to carry out underpinning works?
Underground excavations or works of any nature?
Swimming pools of any type?
Will any blasting be undertaken?

For the purposes of calculating statutory premiums and charges, please estimate the % split of project values by region

ACT

NSW

NT

QLD

SA

TAS

VIC

WA

NZ

OTHER

Please make sure that the total is equal to 100%

Will any projects be located north of Latitude 25 degrees South?

INSURED ITEMS

Sums Insured (NB: Unless an amount is stated below cover will not be included in our quote.

SECTION 1 — INSURED PROPERTY (PERMANENT AND TEMPORARY WORKS)

SECTION 1 — ADDITIONAL BENEFITS (THESE APPLY TO EACH AND EVERY INSURED PROJECT WHEN AN AMOUNT IS SHOWN BELOW)

Escalation Allowance 15% Automatic
 Removal of Debris 10% Automatic
Professional Fees
Transit
Materials Stored Off-site

SECTION 2 — THIRD PARTY LIABILITY

Public Liability
Products Liability
Subsidence, Vibration, Removal, Weakening of Support
 Care, Custody and Control

Supporting documents

Click or drag files to this area to upload. You can upload up to 5 files.
Upload your completed proposals, valuations and any other supporting documentation
Privacy Policy

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

Contract Works and Public Liability Insurance

Contract Works and Public Liability Insurance for Builders

Contract works insurance protects your construction projects against unexpected site incidents — from storm damage and theft to accidental breakage during the build. As a specialist construction insurance broker, Silverback Insurance connects builders and contractors across Australia with tailored contractors all risk (CAR) coverage.

What Does Contract Works Insurance Cover?

Contract works insurance (also known as CAR insurance) may cover:

  • Accidental damage to the works during construction
  • Theft and vandalism of materials and fixtures on site
  • Storm, fire, and natural disaster damage to the project
  • Materials in transit and stored off-site
  • Existing structures you’re working on or adjacent to

Coverage typically applies from project commencement through to practical completion and handover.

Public Liability for Builders

Public liability insurance protects against claims from third parties injured at your work site or affected by your operations. Most principal contractors and project managers require evidence of public liability cover before you can start work.

Common claim scenarios include:

  • A visitor injured by falling debris on your site
  • Damage to a neighbouring property from your construction activities
  • A member of the public tripping over equipment or materials

Why Combine Contract Works and Public Liability?

Bundling these covers under one policy can simplify your insurance program, reduce gaps in protection, and often lower your overall premium. Silverback sources options from multiple insurers to find the right fit for your project size and risk profile.

Who Needs This Cover?

  • Residential and commercial builders
  • Principal contractors and subcontractors
  • Civil and infrastructure contractors
  • Renovation and fitout specialists
  • Renewable energy and solar installation contractors

Get a Tailored Quote

Every project is different. Speak to Silverback Insurance for a contract works and public liability quote tailored to your specific construction activities, project values, and risk exposures.

Call us on 0410 152 835 or request a quote online.

 

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Construct Details

Works in, on or over lakes, rivers of the ocean, or any other body of water?
Works in or around airports that would require an Airside permit?
Works in or around railway trackwork or signalling works?
Maintenance only works
Pipelines over $10,000,000 in Contract Value
Construction Period longer than 3 years
Defects Liability Period longer than 12 months
Works of an experimental or prototypical nature?
 Do You require cover for:
Public Liability
Is it likely that any of Your projects will involve the following
Pre-Existing Property (NB: This is limited cover only)
Other Property (i.e. Display Homes or structures other than buildings on-site)
Current Projects (i.e. Projects You have on the go but are not completed as yet)
New Residential builds, Renovations and Alterrations

Insured Details

Disclosure

Are You or Your company being operated under any type of third party agreement?
Have You ever had Construction Insurance refused, declined or cancelled by an Insurer?

SECTION 1 — MATERIAL DAMAGE

SECTION 2 — THIRD PARTY LIABILITY

QUESTIONS ABOUT YOUR BUSINESS

Please provide details of Your Turnover for the last 5 years in the table provided below
POLICY PERIOD

QUESTIONS ABOUT YOUR RISK MANAGEMENT APPROACH

Does Your sub-contractor agreement require them to arrange their own CI insurance?
Do You utilise contract labour hire arrangements?

CURRENT PROJECTS (Go to Coverage Options if you do not have or do not wish SURA to insure your current projects)

Please declare to Us the projects that You currently have underway below

If You have more than 5 current projects, please complete a separate sheet

COVERAGE OPTIONS

How do You wish to insure Your projects?
How often do You wish to declare Your projects?
Do You wish to delete the automatic cover for Transit of materials?

SECTION 1 — MATERIAL DAMAGE

Employee Tools, Mobile Machinery And Equipment
Do You require coverage for Employee tools?
“Employee tools” means construction tools and effects owned or in the care, custody and control of Employees of the Named Insured up to a maximum new replacement value of $5,000 per item but do not include laptop computers, mobile. telephones, two-way radios or other voice transmitters or receivers, or personal organisers or cameras.
Do You require coverage for Mobile Machinery and Equipment?
“Mobile Machinery and Equipment” means hoardings, temporary buildings, scaffolding, falsework and re-usable formwork, Vehicles, hoists, cranes, earth moving equipment, air compressors, welding equipment and other similar plant whether self propelled or non self-propelled, used or to be used in the process of executing the Contract Works.
If Yes to any of the above, and the total replacement value of Your equipment is no more than $100,000 then We do not require a list of plant. Do You require coverage for hoists or cranes?
Please provide a list of the crane(s) You wish Us to insure in the space provided below
HIRED-IN MOBILE MACHINERY AND EQUIPMENT
Do You require coverage for hired in Mobile Machinery or Equipment?

OTHER PROPERTY

Display Homes (List your display homes in the space provided below)

Any Other Property (List any other structures on Your property You wish to insure)

SECTION 2 — THIRD PARTY LIABILITY

OTHER BUSINESS

Do You required broadform liability coverage for other business activities?

QUESTIONS ABOUT THE PROJECTS YOU EXPECT TO COMMENCE DURING THE NEXT 12 MONTHS

In the spaces provided below, indicate the main type of activities that You do by entering a % of the amount You entered for above
“Building” means You construct the whole project (i.e. You are a head contractor or the principal).

CATEGORY

Will any of these projects require only a difference in conditions, difference in excess (DIC/DIE) to any other construction insurance policies?
Any structural demolition or demolition over 3 storeys in height?
Do You expect to carry out underpinning works?
Underground excavations or works of any nature?
Swimming pools of any type?
Will any blasting be undertaken?

For the purposes of calculating statutory premiums and charges, please estimate the % split of project values by region

ACT

NSW

NT

QLD

SA

TAS

VIC

WA

NZ

OTHER

Please make sure that the total is equal to 100%

Will any projects be located north of Latitude 25 degrees South?

INSURED ITEMS

Sums Insured (NB: Unless an amount is stated below cover will not be included in our quote.

SECTION 1 — INSURED PROPERTY (PERMANENT AND TEMPORARY WORKS)

SECTION 1 — ADDITIONAL BENEFITS (THESE APPLY TO EACH AND EVERY INSURED PROJECT WHEN AN AMOUNT IS SHOWN BELOW)

Escalation Allowance 15% Automatic
 Removal of Debris 10% Automatic
Professional Fees
Transit
Materials Stored Off-site

SECTION 2 — THIRD PARTY LIABILITY

Public Liability
Products Liability
Subsidence, Vibration, Removal, Weakening of Support
 Care, Custody and Control

Supporting documents

Click or drag files to this area to upload. You can upload up to 5 files.
Upload your completed proposals, valuations and any other supporting documentation
Privacy Policy

Property Quote

Property Quote

INSURANCE – Property Quote – Quote

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Insured Details

Insurance History

Is the property currently insured?

Property Usage

Construction Details

Property Protection

What fire protection does the property have?
What security is at the property?
Is the property splinklered?

Coverage Requirements

Please provide details of the coverage required

Risk Details

Has any insurer ever declined, cancelled, or refused renewal of your policy? (copy)
Are you involved in any high-risk activities or sectors (e.g., mining, aviation, hazardous chemicals)?
Criminal Convictions in the Last 10 Years
Do you have operations overseas?
Have you ever been fined or penalized for non-compliance with regulations?
Any Bankruptcies or Business Receivership or Liquidation in the Past 10 Years
Any Bankruptcies or Business Receivership or Liquidation in the Past 10 Years

Declared Values - Business Interruption

Risk Details

Has any insurer ever declined, cancelled, or refused renewal of your policy?
Criminal Convictions in the Last 10 Years
Have you ever been fined or penalized for non-compliance with regulations?
Any Bankruptcies or Business Receivership or Liquidation in the Past 10 Years
Any Other Issues You Must Disclose under your Duty of Disclosure

Additional Information

Please provide any additional details or information that may be relevant to your placement request.

Approached Markets

Upload any completed proposals, valuations or other supporting documentation such as survey reports, photos, thermo scans, etc.

Supporting documents

Click or drag files to this area to upload. You can upload up to 10 files.
Upload your completed proposals, valuations and any other supporting documentation

Document Confirmation

I confirm I have attached the following documents:
Privacy Policy

Duty of Disclosure

Your duty of disclosure to your insurance broker requires you to provide all relevant information that may impact the decision to insure you and the terms of the insurance contract, both when initiating and renewing the policy. Exceptions include information that reduces risk, is common knowledge, known by the insurer, or waived by the insurer. Failure to disclose necessary information may result in policy cancellation, reduced indemnification, or both. Fraudulent non-disclosure could lead to claim denial and policy nullification.

It is essential to answer all questions truthfully to avoid misrepresentation. Non-compliance with the duty of disclosure may lead to reduced liability for claims or policy cancellation, with fraudulent non-disclosure resulting in claim denial and policy invalidation.

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