As an owner builder you are responsible for insurance over your residential project, including liabilities to third parties via public liability.
Policies can be provided to cover public liability, loss or damage (fire, water, storm, impact, theft of materials) to your project whilst works are taking place before your new property is finished, certified and ready for occupancy
During the project, if your works in progress are damaged by rain, storm, fire, impact or vandalism, an Owner Builders Insurance Policy can respond and potentially cover and help pay for rectification, rebuild or for works to recommence.

Provision of business, professional, workplace health and safety, public liability and construction insurance to cover your business exposures and loss or damage to your contracted works during construction, before completion and occupation or hand over to owners. Including liability for damage or injury to third parties
Can be extended to include loss / theft of or damage to equipment, materials, tools and machinery.

Provision of insurance to cover your business, professional, workplace health and safety, public liability and construction services – and can also extend to cover for your motor vehicles, trucks, plant, equipment and office property.

Provision of insurance to cover your business, professional services, management liabilities, workplace health and safety and also office property
It is a requirement of all licensed real estate agents to have Professional Indemnity Insurance.
Being a franchise member of a larger cluster group would not normally provide this protection or policy for you
Professional Indemnity can protect your business and operation from potential complaints and allegations made against you by property owners or clients by providing cover for legal fees and defence costs and also potential compensation if a property owner or client alleges that your service or advice caused them to suffer a financial loss.

Can help with recovery of lost information or funds as a result of being hacked, being the victim of social engineering (deceptive theft) and also potential liability to third parties (suppliers and customers) whose personal information may also be comprised, stolen, ransomed and illegally used as a result of your systems being hacked, compromised or targeted.
Cyber-attacks are consistently on the rise and we recommend this cover to all people and businesses. Everyone are targets, especially those who keep, use and store private and confidential information, including credit card information and including information safe and secure in the cloud. The hackers are criminals and they know how to get through firewalls, anti virus, cloud and third party system (Stripe, Pay Pal etc) protections.

Drone owners, pilots and operators have a responsibility to the public for if your drones stop working whilst in flight, fall, hit, impact, injure people or damage property
Operation and piloting of drones, be it recreational or for business is not usually covered within home and contents, business insurance and public liability policies.

Since the 1st July 2025, having Professional Indemnity Insurance is now a legislated requirement of all NSW Registered Building Practitioners.
Professional Indemnity cover can help to provide protection against risks related to professional services and advice, including financial loss suffered by third parties as a result of incorrect advice, including design and construct and remedial services.
This policy can help to provide cover for legal fees, defence costs and potential compensation if a client alleges that your service or advice has caused them to suffer a financial loss.