Insurance
Contract works insurance - This generally covers the building during work is being done, including:
Accidental physical losses during the construction and maintenance period.
Materials supplied by you the owner.
Full replacement. Costs to repair/ replace damage; up to the policy sum insured.
Contract materials stored in secure locations away from the contract site.
Materials in transit to the contract site.
It is generally advised that you go through your own insurance company, this reduces conflict of interest and saves costs.
Our business insurance - We have our own Public/General Liability Insurance and Statutory Liability Insurance, as required by the Building Act 2004 - https://legislation.govt.nz/act/public/2004/0072/latest/DLM307392.html
Halo Guarantee - As part of the NZ Certified Builders we have access to Halo Guarantees. This guarantees your work for 10 years and generally costs less than 1% of costs. See https://halo.nz for more.