Ep #66 Underinsured and Wide Open: The Insurances Builders Must Have with Daniel Webber

Most builders are more exposed than they realise, and usually find out at the worst possible moment. 

In this episode, Daniel Webber of Webber Insurance, a broker who specialises in complex construction risk, walks through the cover a builder actually needs and what each policy really does.

The core of the conversation is the essentials — home warranty, contract works material damage, and public liability — then the covers builders routinely underestimate: statutory liability, professional indemnity, cyber, and key-person. Daniel is direct about where the gaps sit and why assuming you're covered is an expensive habit.
It also digs into the traps: worker-to-worker claims where an injured sub's insurer comes after the builder, insuring the existing structure on renovations, and how blown-out project values or timelines can quietly void a claim. The throughline is simple — more insurance isn't always the answer, but understanding your cover, running an annual health check, and getting your subcontractor contracts right are non-negotiable.

EPISODE HIGHLIGHTS

• The three core policies every residential builder needs — and what each actually covers
• Why home warranty protects the homeowner, not the builder, and how your limit is tied to your finances
• Worker-to-worker claims: how an injured subcontractor's insurer comes after the builder
• Statutory liability, and why public liability won't cover SafeWork fines or investigations
• Professional indemnity for builders — and the "design and construct" element people miss
• Insuring the existing structure on renovations, and the home-insurance chat to have with clients
• Why fixing your subcontractor contracts is the single biggest risk lever a builder has

LEARN MORE
Webber Insurance: https://www.webberinsurance.com.au
Sustainable Builders Alliance (SBA): https://www.thesba.com.au

BROUGHT TO YOU BY
The Sustainable Builders Alliance