Insurable Work

Please note: this table is a guide only as to the payment of an insurance premium to the Queensland Building and Construction Commission for residential construction work under the Queensland Home Warranty Scheme. If you have any queries in this regard please contact us on 139 333.

Type of Work Is Insurance Payable? (for contracts entered into prior to 28th October 2016) Is Insurance Payable? (for contracts entered into on or after 28th October 2016) Was there a change?
Hide A
Aeroplane/Aircraft

​Building work for an aeroplane or aircraft that is used as a residence is not insurable.

Reason: The scheme only insures building work for a residence or its related roofed building. An aeroplane or aircraft is not defined as a residence under the legislation (section 9 of the Queensland Building and Construction Commission Regulation 2003).

Building work for an aeroplane or aircraft that is used as a residence is not insurable.

Reason: The Scheme only insures building work for a residence or its related roofed building. An aeroplane or aircraft is not defined as a residence under the legislation (see section 67WE(5) of the Queensland Building and Construction Commission Act 1991 – as amended).

No
Airconditioning - ducted and split system

The installation or replacement of air-conditioning for a residence or related roofed building is not insurable work.  However, if the work is carried out under a contract that includes primary building work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.
 
Reason: This work in isolation is excluded as insurable under the Regulation (Section 11(3) Queensland Building and Construction Commission Regulation 2003)

The installation or replacement of air-conditioning for a residence or related roofed building is not insurable work in isolation. 

However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.
 
Reason: This work is excluded from being primary insurable work but may be associated insurable work (see section 67WC(2)(d)(i) of the Queensland Building and Construction Commission Act 1991 – as amended).

No
Aircraft Hangar

​The construction, relocation or repair of an aircraft hangar is insurable if it is a related roofed building for a residence.

A related roofed building:

  • is a fixed structure
  • is on the site of a residence or proposed residence
  • is for private use
  • as a roof that is impervious to water or wind.

    Reason: The Scheme insures related roofed buildings for a residence. (Sections 9, 11(2)(a)&(b) Queensland Building and Construction Commission Regulation).

    Building work for an aircraft hangar is insurable work if it is a related roofed building for a residence and the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    To be a related roofed building it would have to be:

    • a fixed structure;
    • on the site of a residence or proposed residence;
    • for the use of the residence;
    • with a roof that is impervious to water or wind.

    Reason: The Scheme insures work for related roofed buildings for a residence (see section 67WC and 67WF of the Queensland Building and Construction Commission Act 1991 – as amended).

    No
    Aircraft runway (for a residence)

    ​A runway for a hangar that is a related roofed building for a residence is not insurable in isolation as it is defined as a driveway under the legislation.

    However, if the work is carried out under a contract that includes primary building work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.

    Reason: This work in isolation is excluded as insurable under the Regulation (Section 11(3) Queensland Building and Construction Commission Regulation 2003).

    Building work for a runway for a hangar that is a related roofed building for a residence (see Aircraft Hangar) is not insurable in isolation as it is considered as a driveway which is excluded from primary insurable work under the legislation.

    However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home), it is insurable under the main contract.

    Reason: See section 67WC(2)(d)(ii) of the Queensland Building and Construction Commission Act 1991 – as amended

    No
    Architraves

    The installation or replacement of an architrave for a residence or related roofed building is not insurable work. 
     
    However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract. 
     
    Reason: The installation or replacement of an architrave is not insurable work under the legislation as it does not fall within the list of items defined as primary building work in Section 11 Queensland Building and Construction Commission Regulation 2003.

     

    Building work for an architrave for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    Yes
    Asbestos Removal

    Asbestos removal is not insurable.

    Reason: The work it is not building work regulated under the Queensland Building and Construction Commission Act 1991 (Schedule 1AA, section 37 of the Queensland Building and Construction Commission Regulation 2003).

    Asbestos removal is not insurable.

    Reason: The work is not building work regulated under the legislation (see Schedule 1, section 37 of the Queensland Building and Construction Commission Regulation 2018.

    No
    Awnings

    The installation or replacement of an awning is insurable work as it affects the structural performance of the residence or related roofed building (wind loading).
     
    Reason: Building work that affects the structural performance of all or part of a residence or its related roofed buildings is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

    Building work for an awning for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 27(b) of the Queensland Building and Construction Commission Regulation 2018 (as amended). Building work for an awning is listed as an example in section 27(b) of this category of primary insurable work

    No
    Hide B
    Bathrooms

    ​Building work for replacement or refitting of fixtures or fittings in a bathroom (e.g. a bathroom renovation) for a residence or related roofed building is insurable.

    Reason: This work is stated as insurable under the legislation (Section 11(2)(d) Queensland Building and Construction Commission Regulation 2003).

    Building work on or for a bathroom in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). 

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    No
    Bench tops (replacement and refitting)

    The replacement or refitting of a bench top in a kitchen or bathroom is insurable work.

    Reason: Replacement or refitting of fixtures or fittings for a bathroom or kitchen is insurable under the legislation (Section 11(2)(d) Queensland Building and Construction Commission Regulation 2003). 

    Building work on or for a bench top in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).  

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended).

    Yes
    Bench tops (resurfacing)

    ​The resurfacing of a bench top for cosmetic purposes, in isolation, is not insurable work. (Section 11(2) Queensland Building and Construction Commission Regulation 2003).

    However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

    Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Section 12 Queensland Building and Construction Commission Regulation).

    Building work on or for the resurfacing of a bench top in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    Yes
    Boarding House

    Construction or building work for a Boarding House is not insurable.

    Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

    Construction or building work for a Boarding House is not insurable.

    Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991 (as amended)).

    No
    Boat

    Construction or building work for a house boat is not insurable.

    Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (Section 9(c)(a) Queensland Building and Construction Commission Regulation 2003).

    Building work for a house boat, even if used as a residence, is not insurable.

    Reason: The scheme only insures building work for a residence or its related roofed building. A boat is not defined as a residence under the legislation (see section 67WE(5)(a) of the Queensland Building and Construction Commission Act 1991 (as amended).

    No
    Built-In Cabinets

    Building work for built-in cabinets in a bathroom or kitchen is insurable.
     
    Reason: All work for a fixture or fitting in a bathroom or kitchen is insurable under the legislation (Section 11(2)(d) Queensland Building and Construction Commission Regulation 2003).

    The construction of a built in cabinet outside the bathroom or kitchen area is generally not insurable unless it involves the relocation or replacement of a wall or an internal partition, or otherwise affects the structural performance of a residence or related roofed building.
     
    Reason: Building work that affects the structural performance (including wall loading) of a residence or its related roofed buildings is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

    Building work for built-in cabinets for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    Yes
    Hide C
    Cabins in caravan parks

    Any work in caravan parks is not insurable.
     
    Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

    Any work in caravan parks is not insurable.
     
    Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991 – as amended).

    No
    Caravan

    Construction or building work for a caravan is not insurable.

    Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is excluded from being a residence under the legislation (Section 9(c)(a) Queensland Building and Construction Commission Regulation 2003).

    Building work for a caravan is not insurable.

    Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (see section 67WE(5)(a) of the Queensland Building and Construction Commission Act 1991 – as amended).

    No
    Caravan Parks

    Building work on the site of a caravan park is not insurable.

    Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

    Any work on the site of a caravan park is not insurable.
     
    Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991 – as amended).

    No
    Church

    The construction of a church is not insurable.  However, work for a residence or its related roofed building on church owned land is insurable in the same way as if it was not on church land.
     
    Reason: The Scheme only insures building work for a residence or its related roofed building (Sections 9 and 11 Queensland Building and Construction Commission Regulation 2003).

    The construction of a church is not insurable.  However, work for a residence or its related roofed building on church owned land is insurable in the same way as if it was not on church land.
     
    Reason: The Scheme only insures building work for a residence or its related roofed building (see section 67WE of the Queensland Building and Construction Commission Act 1991 (as amended).

    No
    Cladding

    The installation, replacement or relocation of cladding (including vinyl cladding) is insurable work as it affects the structural performance of the residence or related roofed building (wall and wind loading).

    Reason: Building work that affects the structural performance of all or part of a residence or its related roofed building is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

    Internal cladding

    Building work for internal cladding for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    External cladding

    Building work for external cladding on a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 27(b) of the Queensland Building and Construction Commission Regulation 2018 – as amended. The building work for cladding is listed as an example of section 27(b) in the Regulation. 

    No
    Commercial premises

    Construction or building work on the site of a commercial premise is not insurable unless the premise includes 2 or more residential units and the work is for those residential units.

    Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

    Building work on, or on the site of, a building or proposed building that is or forms part of commercial or industrial premises is not insurable.

    Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(viii) of the Queensland Building and Construction Commission Act 1991 – as amended).

    Yes
    Concrete slabs

    The laying of a concrete slab for a residence or its related roofed building, including a proposed building, is insurable work.

    Reason: The concrete slab will affect the structural performance of a residence or its related roofed building and is therefore insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003). 

    The construction of a slab on the site of a residence or related roofed building is insurable if:

    1. the slab is within, attached or connected to the building envelope of a residence or its related roofed building; or
    2. the work for the construction of the slab includes the erection or construction of a residence, a related roofed building or swimming pool on the slab.

    The above work must exceed an insurable value of $3300 to be insurable work. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Construction of a slab not within, attached or connected to a residence or related roofed building is not insurable unless the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house). It is then insurable under the main contract.

    Reason: Building work for a slab is primary insurable work under the legislation where the slab is a supporting structure for a residence or its related roofed building (see section 27(f) and 28(1)(d) of the Queensland Building and Construction Commission Regulation 2018 – as amended).  

    No
    Cornices

    The installation or replacement of a cornice for a residence or related roofed building is not insurable work. 
     
    However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.
     
    Reason: The installation or replacement of a cornice is not insurable work under the legislation as it does not fall within the list of items defined as primary building work in Section 11 Queensland Building and Construction Commission Regulation 2003.

    Building work for cornices for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended).

    Yes
    Covered Walkway

    The installation or repair of a covered walkway that is attached to a residence or related roofed building is insurable. 

    Reason: Building work that covers the covered floor area of a residence or related roofed building is insurable under the legislation (Section 11(2)(f) Queensland Building and Construction Commission Regulation 2003).

    Building work for a covered walkway that is attached to a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Building work for a covered walkway that is not attached to a residence or its related roofed building is insurable if the walkway is of itself a related roofed building and if the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    In all cases when determining the insurable value, the value of the work on the path (if any) under the walkway should not be included when calculating the $3300 threshold for the primary insurable work component.

     A building is a related roofed building if it is:

    • a fixed structure;
    • on the site of a residence or proposed residence;
    • for the use of the residence; and
    • with a roof that is impervious to water and wind.   

    Reason: Building work that extends the building envelope for a residence or its related roofed building is primary insurable work under section 27(a) of the Queensland Building and Construction Commission Regulation 2018 (as amended). Building work for a related roofed building that is a covered walkway for a path is also primary insurable work. 

    (See section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended).          

    Building work for a path is associated insurable work and for this reason cannot be included when determining the insurable value of the work that may be primary insurable work (see section 67WC(2)(d)(ii) of the Queensland Building and Construction Commission Act 1991 – as amended). 

    No
    Cubby House

    The construction, relocation or repair of a cubby house is insurable if it is a related roofed building for a residence. A related roofed building:

    • is a fixed structure
    • is on the site of a residence or proposed residence
    • is for private use
    • has a roof that is impervious to water or wind.

    Reason: The Scheme insures related roofed buildings for a residence (Sections 9, 11(2)(a)&(b) Queensland Building and Construction Commission Regulation).

    Building work for cubby houses is not insurable in isolation.

    However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.

    Reason: The erection or construction of a cubbyhouse is excluded from the definition of primary insurable work under section 28(c)(i) of the Queensland Building and Construction Commission Regulation 2018 – as amended).

    Yes
    Hide D
    Decks - Attached

    The installation, replacement or relocation of an external deck attached to a residence or related roofed building is insurable work.

    Reason: Building work that affects the structural performance of, or is for an unenclosed elevated platform, for a residence or its related roofed building is insurable (section 11(2)(b) and 11(2)(e) of the Queensland Building and Construction Commission Regulation 2003).

    Building work for an external deck attached to a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended and section 27(d) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

    No
    Decks - Freestanding

    The construction of a free standing deck is not insurable unless it affects the structural performance of a residence or related roofed building, or it has a roof and is a related roofed building. A related roofed building:

    • is a fixed structure;
    • is on the site of a residence or proposed residence;
    • is for private use;
    • has a roof that is impervious to water or wind.

    Reason: The Scheme insures related roofed buildings for a residence (sections 9 and 11(2)(a) and 11(2)(b) of the Queensland Building and Construction Commission Regulation 2003) and building work that affects the structural performance of a residence, part of residence or its related roofed building (e.g. loading) is insurable under the legislation (section 11(2)(b) of the Queensland Building and Construction Commission Regulation 2003).

    Building work for a free standing deck, unless it is a related roofed building, is not insurable. However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. as part of building a house) it is insurable under the main contract.

    Reason: Building work for a free standing deck, unless it is a related roofed building, is not primary insurable work under the legislation. See section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended).

    Building work for a free standing deck that is a related roofed building, is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    To be a related roofed building the free standing deck must be:

    • a fixed structure;
    • on the site of a residence or proposed residence;
    • for the use of the residence;
    • with a roof that is impervious to water or wind.

    (See section 67WF of the Queensland Building and Construction Commission Act 1991 – as amended).

    Yes
    Disability access ramps

    The installation, replacement or relocation of an internal disability access ramp is insurable work.

    Reason: Building work that affects the structural performance of a residence or part of a residence is insurable work under the legislation (e.g. people loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

    Building work for the replacement of a floor in a residence or its related roofed building is insurable work under the legislation (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

    The installation, replacement or relocation of an external disability access ramp is insurable work.

    Reason: Building work for an unenclosed elevated platform attached to a residence or a related roofed building is insurable work under the legislation. (Section 11(2)(e) Queensland Building and Construction Commission Regulation 2003).

    Building work for a disability access ramp for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended) and section 27(e) of the Queensland Building and Construction Commission Regulation 2018 (as amended). 

    No
    Dog kennels

    The construction, relocation or repair of a dog kennel is insurable if it is a related roofed building for a residence. A related roofed building:

    • is a fixed structure
    • is on the site of a residence or proposed residence
    • is for private use
    • has a roof that is impervious to water or wind.

    Reason: The Scheme insures related roofed buildings for a residence. (Sections 9, 11(2)(a)&(b) Queensland Building and Construction Commission Regulation).

    Building work for a dog kennel is not insurable in isolation. However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. is part of building a house) it is insurable under the main contract.

    Reason: Building work for a structure housing animals is excluded from the definition of primary insurable work under section 28(1)(c)(ii) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

    Yes
    Doors

    The creation of a new doorway or door (other than a security door) is insurable work.

    The replacement or rehanging of a door in isolation is not insurable work as it does not affect the structural performance of the building.

    However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

    Reason: Building work that affects the structural performance (including wall or wind loading) of a residence, part of a residence or a related roofed building, is insurable work under the legislation. (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

    Building work for a door in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). 

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    Yes
    Driveways

    The installation or repair of a driveway is not insurable when done in isolation.

    However, if the work is carried out under a contract that includes over $3300 of primary building work (e.g. a contract which includes construction of a home) it is insurable under the main contract.

    Reason: This work in isolation is excluded as insurable under the Regulation (Section 11(3) Queensland Building and Construction Commission Regulation 2003).

    Building work for a driveway is not insurable in isolation. However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.

    Reason: This work in isolation is excluded as insurable (see section 67WC(2)(d)(ii) of the Queensland Building and Construction Commission Act 1991 (as amended).

    No
    Hide E
    Educational Institutions

    Construction or building work on the site of an Educational Institution (e.g. on a TAFE College or a University) is not insurable.

    Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13 (1) (a) Queensland Building and Construction Commission Regulation 2003).

    Building work on the site of an educational Institution (e.g. on a TAFE College or a University) is not insurable.

    Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(vi) of the Queensland Building and Construction Commission Act 1991 (as amended).

    No
    Hide F
    Farm building

    Work for a farm building is not insurable.

    A farm building is a building:

    • on land used wholly or primarily for agricultural or pastoral purposes; and
    • used, or intended to be used, for agricultural or pastoral purposes; and
    • that has completed value of not more than $27,500; and
    • that is not a residence

    Reason: Work of this kind is not building work (Schedule 1AA Queensland Building and Construction Commission Regulation 2003).

    A building on a farm, which is used to store feed, farm equipment, fertilizer etc is not insurable, even where the completed value of the work exceeds $27,500. 

    Reason: Building work of this kind is excluded from being insurable since it is not designed to be used for residential purposes, nor is it used for a purpose related to the use of the residence. As such it is neither a residence nor a related roofed building under section 9 of the Queensland Building and Construction Commission Regulation 2003.
     

    Work for a farm building is not insurable.

    A farm building is a building:

    • on land used wholly or primarily for agricultural or pastoral purposes; and
    • used, or intended to be used, for agricultural or pastoral purposes; and
    • that has completed value of not more than $27,500; and
    • that is not a residence

    Reason: Work of this kind is not building work (see Schedule 1 of the Queensland Building and Construction Commission Regulation 2018).

    A building on a farm, which is used to store feed, farm equipment, fertilizer etc is not insurable, even where the completed value of the work exceeds $27,500. 

    Reason: Building work of this kind is excluded from being insurable under section 67WB(1)(a)(viii) of the Queensland Building and Construction Commission Act 1991.

    Further, building work of this kind does not constitute a residence since it is not used for residential purposes – 67WE(1) of the Queensland Building and Construction Commission Act 1991, nor is it a related roofed building for a residence since it is not used for a purpose related to the use of the residence – section 67WF(1)(c) of the Queensland Building and Construction Commission Act 1991.
     

    No
    Fascias

    The installation, replacement or repair of a fascia is insurable work as it affects the structural performance (including roof or wind loading) of the building.
     
    Reason: Building work that affects the structural performance of a residence, part of a residence or a related roofed building is insurable work under the legislation. (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).
     
    The painting of a fascia in isolation is not insurable work. However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.
     
    Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Sections 11(3) and 12 Queensland Building and Construction Commission Regulation 2003).

    Building work (including the painting of) for a fascia on a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: Building work for a fascia is insurable if it is primary insurable work as defined in section 27(b) of the Queensland Building and Construction Commission Regulation 2018 – as amended.

    (See section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended).

    Example of Fascia

    Yes
    Fencing including pool fencing

    The installation or repair of a fence is not insurable when done in isolation. It's not insurable work as it is expressly excluded under the Regulation.  
     
    However, if the work is carried out under a contract that includes over $3300 of primary building work (for example, a contract which includes construction of a home) it is insurable under the main contract.
     
    Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Sections 11(3) and 12 Queensland Building and Construction Commission Regulation 2003).

    Building work for a fence is not insurable when done in isolation.  
     
    However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.

    Reason: See section 67WC(2)(a) of the Queensland Building and Construction Commission Act 1991 (as amended).

    No
    Fire Bunker

    The construction, relocation or repair of a fire bunker is insurable if the bunker is a related roofed building.

    A related roofed building:

    • is a fixed structure
    • is on the site of a residence or proposed residence
    • is for private use
    • has a roof that is impervious to water and wind.

    Reason: The Scheme insures related roofed buildings for a residence (Sections 9, 11(2)(a)&(b) Queensland Building and Construction Commission Regulation 2003).

    Building work for a fire bunker is insurable if: 

    • the fire bunker is a related roofed building; and
    • the work is primary insurable work (valued over $3300) (e.g. the erection or construction of the building or work within the building envelope of the building).

    Work of the above nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    A building is a related roofed building if it is:

    • a fixed structure;
    • on the site of a residence or proposed residence;
    • for the use of the residence; and
    • with a roof that is impervious to water and wind.

    Reason: The Scheme insures residential construction work for related roofed buildings for a residence (see sections 67WC and 67WF of the Queensland Building and Construction Commission Act 1991 – as amended).

    No
    Floors

    The replacement or relocation of a floor is insurable. A floor includes any fixed surface upon which a person walks (excluding cosmetic covering such as carpets or vinyl).  See tiling for more information.

    The installation of a floor onto a subfloor in isolation is not insurable, unless if affects the structural performance of the subfloor or another part of the residence, or its related roofed building.

    The installation or replacement of a floating floor, carpet or vinyl is not insurable as it is not building work.  A floating floor means a floor that covers a subfloor but is not nailed, glued or fixed to the subfloor.

    The resurfacing of a floor for cosmetic purposes (e.g. sanding and polishing), in isolation, is not insurable work. (Section 11(2) Queensland Building and Construction Commission Regulation 2003).

    However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

    Reason: Building work that affects the structural performance (e.g. people loading) of a residence, part of a residence or a related roofed building is insurable work under the legislation. (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

    The replacement or relocation of a floor in a residence or related roofed building is expressly stated in the legislation to be insurable (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

    Building work (including tiling) for a floor of a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

    Yes
    Flyscreens

    ​The installation of fly screens is not insurable.

    Reason: The installation of flyscreens is not building work regulated or insured under the Queensland Building and Construction Commission Act 1991 (Schedule 1AA Queensland Building and Construction Commission Regulation 2003).

    The installation or repair of a fly or insect screen, unless used for security or prevention of termites, is not insurable when done in isolation.
     
    However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.
     
    Reason: The installation or repair of a fly or insect screen is not building work under schedule 1 of the Queensland Building and Construction Commission Regulation 2018.  Accordingly it cannot be primary insurable work under section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended) and can only be associated insurable work. Associated insurable work is not insurable on its own under the legislation (see section 67WD of the Queensland Building and Construction Commission Act 1991 – as amended).

    No
    Hide G
    Gas installation

    The installation or repair of a gas system, in isolation, is not insurable. However, if the work is carried out under a contract that includes over $3300 of primary building work (for example, a contract which includes renovation of a kitchen valued over $3300) it is insurable under the main contract.
     
    Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Section 12 Queensland Building and Construction Commission Regulation 2003).

    Gas Installation within a residence

    Building work for gas installation within a residence or its related roofed building, unless it is for heating water, is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).  

    Example: Installation of a gas stove with an insurable value of over $3300 is insurable.

    Reason: See section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended). 

    Gas hot water systems

    Building work for gas installation for a residence or related roofed building for the purposes of heating water is not insurable in isolation.

    However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.

    Reason:  Building work of this kind is associated insurable work and is not insurable on its own under the legislation. See section 67WC(2)(d)(iii) of the Queensland Building and Construction Commission Act 1991 (as amended).

    Gas installation external to a residence or a related roofed building

    Building work for gas installation outside of the residence or related roofed building is not insurable in isolation.

    However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.

    Example: Gas BBQ installed separately from the residence or related roofed building.

    Reason: Building work of this kind is not primary insurable work and is therefore not insurable on its own. See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended).

    Yes
    Gazebo

    Freestanding

    The construction of a free standing gazebo is insurable if it is a related roofed building.

    A related roofed building:

    • is a fixed structure;
    • is on the site of a residence or proposed residence;
    • is for private use;
    • has a roof that is impervious to water and wind.

    Reason: The Scheme insures related roofed buildings for a residence (sections 9, 11(2)(a) and 11(2)(b) of the Queensland Building and Construction Commission Regulation 2003).

    Attached to a building

    The construction of a gazebo that is attached to a residence or related roofed building is insurable.

    Reason: Building work that affects the structural performance of a residence, part of residence or its related roofed building (e.g. loading) is insurable under the legislation (section 11(2)(b) of the Queensland Building and Construction Commission Regulation 2003).

    Freestanding

    Building work for a freestanding gazebo is insurable if the gazebo is a related roofed building and the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    A building is a related roofed building if is:

    • a fixed structure;
    • on the site of a residence or proposed residence;
    • for the use of the residence; and
    • with a roof that is impervious to water and wind.

    Reason: Subject to the insurable value of the work (see above), primary insurable work includes, amongst other things:

    • the erection or construction of a related roofed building,
    • building work within the envelope of a related roofed; and
    • building work to repair, improve, extend, alter or renovate the envelope of a related roofed building.   

    See sections 67WC(1) and 67WF of the Queensland Building and Construction Commission Act 1991 (as amended). Also see section 27(a) of the Queensland Building and Construction Commission Regulation 2018 – as amended).

    Attached to a building

    Building work for a gazebo attached to a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: Subject to the insurable value of the work (see above), primary insurable work includes:

    • building work that alters, extends or improves the building envelope for a residence or a related roofed building; and
    • building work for an elevated platform including a verandah or deck that is attached to a residence or its related roofed building

    See section 27(a) and (d) of the Queensland Building and Construction Commission Regulation 2018 (as amended). 

    No
    Glass Patio Enclosures

    The construction, replacement or relocation of a glass patio enclosure for a residence, or its related roofed building, is insurable if any of the following apply:

      • The building work affects their structural performance
      • The building work involves the relocation or replacement of a roof, wall, internal partition, floor or foundation
      • The construction of the patio increases the covered floor area.

    Reason: This work is insurable under multiple sections of the legislation (Sections 11 (2) (b),(c) & (f) Queensland Building and Construction Commission Regulation 2003).

    Building work for a glass patio enclosure for a residence or related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

    Reason: Subject to the insurable value of the work (see above), primary insurable work includes:

    • building work that alters, extends or improves the building envelope for a residence or a related roofed building; and
    • building work for an elevated platform including a verandah or desk that is attached to a residence or its related roofed building.

    See section 27(a) and 27(d) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

    Yes
    Greenhouses

    The construction of a free standing greenhouse is insurable if it is a related roofed building. A related roofed building:

    • is a fixed structure;
    • is on the site of a residence or proposed residence;
    • is for private use;
    • has a roof that is impervious to water or wind.

      Reason: The Scheme insures related roofed buildings for a residence (Sections 9 and 11(2)(a)&(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for a greenhouse is insurable if the greenhouse is a related roofed building and the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      To be a related roofed building the greenhouse must be:

      • a fixed structure;
      • on the site of a residence or proposed residence;
      • for the use of the residence; and
      • with a roof that is impervious to water and wind.

      Reason: Subject to the insurable value of the work (see above), primary insurable work includes, amongst other things:

      • the erection or construction of a related roofed building,
      • building work within the envelope of a related roofed; and
      • building work to repair, improve, extend, alter or renovate the envelope of a related roofed building.

      A greenhouse will be a related roofed building if it is:

      • a fixed structure;
      • on the site of a residence or proposed residence;
      • for the use of the residence; and
      • with a roof that is impervious to water or wind. 

      See sections 67WC(1) and 67WF of the Queensland Building and Construction Commission Act 1991 (as amended). Also see section 27(a) Queensland Building and Construction Commission Regulation 2018 (as amended).

      No
      Group Accommodation

      Construction or building work on the site of a building for group accommodation for persons with a physical or mental disability is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work on the site of group accommodation for persons with a physical or mental disability is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(vii) of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Guttering

      The installation or repair of a gutter, in relation to drainage for a residence or a related roofed building, is insurable.
       
      Reason: Building work for the installation or repair of water supply to, or sewerage or drainage for, a residence or its related roofed building is insurable work under the legislation (Section 11(2)(g) Queensland Building and Construction Commission Regulation 2003).

      Building work for a gutter for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). 

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended) and section 27(b) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      No
      Gyprock

      The installation or replacement of Gyprock is insurable work.
       
      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building is insurable work under the legislation (including wall loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for the replacement of a wall in a residence or its related roofed building is insurable work under the legislation. (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

      Building work for plaster boarding a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended).

      No
      Hide H
      Handrails

      The installation, replacement or repair of a handrail or balustrade is insurable as it affects the structural performance (including wall and people loading) for part of a residence or its related roofed building.
       
      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including wall loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).
       
      For example, a balustrade has to be built in accordance with the National Construction Code, where there are strict requirements for the design and construction of balustrades and railings so that they can resist the forces reasonably expected to be placed upon them, including wind load and people leaning on them.

      Handrails – Internal

      Building work for handrails within a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). 

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended).

      Handrails – Externals

      Building work for a handrail on the outside of a residence or a related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). 

      Reason:  Building work for a structure attached to the external part of a residence or its related roofed building is primary insurable work if it does not have any other supporting structure. See section 25(b) of the Queensland Building and Construction Commission Regulation 2003 (as amended).

      No
      Healthcare building

      Construction or building work for a Healthcare building is not insurable. Healthcare buildings may include Doctors' Surgeries and Specialist Clinics etc.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13 (1) (a) Queensland Building and Construction Commission Act 1991 Regulation 2003).

      Building work for a healthcare building is not insurable. Healthcare buildings may include doctors' surgeries and specialist clinics etc.
      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(iii) of the Queensland Building and Construction Commission Act 1991
      – as amended)

      No
      Holiday Accommodation

      Construction or building work for a building that can only be used for holiday accommodation (e.g. a hotel) is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      A class 1A or 2 building (up to 3 storeys) is insurable, regardless of whether it may be used for holiday accommodation purposes, as it is defined as a residence for insurable purposes under the legislation.

      Reason: A building or part of a building fixed to land and designed to be used for residential purposes is a residence under Section 9 Queensland Building and Construction Commission Regulation 2003.

      Building work for holiday accommodation is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Home Office

      The construction of a home office or study in residence is insurable work.

      Reason: The legislation does not exclude building work on a home office or study from being insurable.  This work is treated in the same way as any other room in a residence or related roofed building (Section 11 Queensland Building and Construction Commission Regulation 2003). 

      Building work for a home office or study in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended)

      No
      Horse stables

      The construction, relocation or repair of a horse stable is insurable if it is a related roofed building for a residence.

      A related roofed building:

      • is a fixed structure
      • is on the site of a residence or proposed residence
      • is for private use
      • has a roof that is impervious to water or wind

      Reason: The Scheme insures related roofed buildings for a residence (sections 9, 11(2)(a) and 11(2)(b) of the Queensland Building and Construction Commission Regulation 2003).

      Building work for a horse stable is not insurable in isolation. However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. part of building a house) it is insurable under the main contract.  

      Reason: Building work for a structure housing animals is excluded from the definition of primary insurable work under section 26(1)(c)(ii) of the Queensland Building and Construction Commission Regulation 2003 – as amended.

      Yes
      Hospital

      Construction or building work for a Hospital is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Act 1991 Regulation 2003).

      Building work for a hospital is not insurable.

      Reason: Building work of this kind is excluded being insurable under the legislation (seesection 67WB(1)(a)(iii) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Hostels

      Construction or building work for a hostel is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a hostel is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Hotel

      Construction or building work for a hotel is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a hotel is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Hide I
      Indigenous Local Council Work

      ​Residential Construction Work carried out by an independent licenced contractor for an indigenous local government (including an indigenous local council) is insurable and the contractor must pay premium for their work.

      The obligation of an independent contractor to pay a premium includes the circumstance where they are carrying out residential construction work for an indigenous local government that is acting as a principal contractor for a State Government department.

      However, Residential Construction Work performed by an indigenous local council using its own employees is not insurable if the council is classified as an indigenous local government under the Local Government Act 2009.

      An “indigenous local government” is defined in the Local Government Act 2009 to include the Northern Peninsula Area Regional Council, the Torres Strait Island Regional Council, or the local government for any of the following local government areas:

      • Cherbourg
      • Doomadgee
      • Hope Vale
      • Kowanyama
      • Lockhart River
      • Mapoon
      • Napranum
      • Palm Island
      • Pormpuraaw
      • Woorabinda
      • Wujal Wujal
      • Yarrabah.

      Residential construction work carried out by an independent licenced contractor for an indigenous local government (including an indigenous local council) is insurable and the contractor must pay a premium for their work.

      The obligation of an independent contractor to pay a premium includes the circumstance where they are carrying out residential construction work for an indigenous local government that is
      acting as a principal contractor for a State Government department.

      However, residential construction work performed by an indigenous local council using its own employees is not insurable if the council is classified as an indigenous local government
      under the Local Government Act 2009.  

      An “indigenous local government” is defined in the Local Government Act 2009 to include the Northern Peninsula Area Regional Council, the Torres Strait Island Regional Council, or the
      local government for any of the following local government areas:

      • Cherbourg
      • Doomadgee
      • Hope Vale
      • Kowanyama
      • Lockhart River
      • Mapoon
      • Napranum
      • Palm Island
      • Pormpuraaw
      • Woorabinda
      No
      Industrial premises

      Construction or building work on the site of an industrial premise is not insurable unless the premises include 2 or more residential units and the work is for those residential units.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work on or on the site of a building or proposed building that is or forms part of commercial or industrial premises is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(viii) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      Yes
      Hide K
      Kit Homes

      The construction of a kit home on site is insurable as it is the construction of a residence.

      Reason: The Scheme insures construction of a residence (Sections 9 and 11(2)(a)&(b) Queensland Building and Construction Commission Regulation 2003).

      The construction of a kit home on site is insurable (as it is the construction of a residence) if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: The erection or construction of a residence or a related roofed building is primary insurable work (see section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended).

      Note: For the purposes of deciding the insurable value of the work, the value of materials and cost of transport must be included regardless of whether in fact the contractor actually supplied them (see section 67WA of the Queensland Building and Construction Commission Act 1991 - as amended)

      No
      Kitchens

      Building work for replacement or refitting of fixtures or fittings in a kitchen (e.g. a kitchen renovation) for a residence or related roofed building is insurable.

      Reason: This work is stated as insurable under the legislation (Section 11(2)(d) Queensland Building and Construction Commission Regulation 2003).  

      Building work for a kitchen in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). 

      Yes
      Hide L
      Laundry

      The construction, replacement or relocation of a laundry in a residence is insurable.

      Other building work for a laundry will be insurable work depending on the type of work being carried out. To determine whether work is insurable, search for the specific work item.

      Reason: Building work in a laundry is treated in the same way as work in any other room in a residence or related roofed building and must meet the requirements of primary building work stated in Section 11 Queensland Building and Construction Commission Regulation 2003 to become insurable.

      Building work for a laundry in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1)(b) of the Queensland Building and Construction Commission Act 1991 – as amended).

      Yes
      Local Government Work

      Residential construction work carried out for a local government is insurable and the contractor must pay premium for their work.

      The obligation of an independent contractor to pay premium includes the circumstance where they are carrying out residential construction work for a local government that is acting as a principal contractor for a State Government department.

      Work performed by a local government using its own employees is not building work and is not insurable.

      Reason: Work performed by a local government is not building work but not work performed for a local government by an independent contractor (Section 9 of Schedule 1AA Queensland Building and Construction Commission Regulation 2003).

      Residential construction work carried out for a local government is insurable and the contractor must pay a premium for their work.

      The obligation of an independent contractor to pay a premium includes the circumstance where they are carrying out residential construction work for a local government that is acting as a principal contractor for a State Government department.

      Work performed by a local government using its own employees is not building work and is not insurable.

      Reason: Work performed by a local government is not building work (see section 9 of Schedule 1 of the Queensland Building and Construction Commission Regulation 2018). However, work performed for a local government by an independent contractor is building work.

      No
      Lodging houses

      Construction or building work for a lodging house is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a building that can only be used for a lodging house is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Hide M
      Manufactured Homes

      Building work for a manufactured home in a residential park is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(f) Queensland Building and Construction Commission Regulation 2003).

      Building work for a manufactured home in a residential park is insurable.

      Reason: Building work for a manufactured home fixed to land in a residential park, whether or not permanently fixed, is a residence under the legislation and is insured in the same way
      as any other residence (see section 67WE(3) of the Queensland Building and Construction Commission Act 1991 – as amended).

      Yes
      Motel

      Construction or building work for a motel is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Act 1991 Regulation 2003).

      Building work for a building that can only be used for a motel is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(i) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Motor Homes or Motor Vehicles

      Construction or building work for a motor vehicle or a motor home that is used for a residence is not insurable.

      Reason: The Scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (Section 9(c)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a motor home or motor vehicle, even if used as a residence, is not insurable.

      Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (see section
      S67WE (5) of the Queensland Building and Construction Commission Act 1991 – as amended)

      No
      Multiple dwellings and duplexes over 3 storeys

      The construction or building work for a multiple dwelling or a duplex that is over 3 storeys is not insurable work. A storey does not include the lowest storey in a building where it consists mainly of a car park. For example, if 50% or more of the area is designed to be a car park, then the lowest storey is not counted.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a multiple dwelling or a duplex that is over 3 storeys is not insurable work. A storey does not include the storey in a building where it consists mainly of a car park.
      For example, if 50% or more of the area is designed to be a car park, then the storey is not counted.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see sections 26(1)(a) and 26(1)(b) of the Queensland Building and Construction Commission Regulation 2018 – as amended).

      No
      Hide N
      New House

      ​The construction, relocation or structural repair of a residential house is insurable.

      Reason: The Scheme insures construction of a residence (Sections 9 and 11(2)(a)&(b) Queensland Building and Construction Commission Regulation 2003).

      Construction of a new house is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract
      that includes primary insurable work (valued over $3300).

      Reason: The erection or construction of a residence or a related roofed building is primary insurable work (see section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended)

      No
      Nun, priest or clergy residence

      The work for a residence or its related roofed building on church owned land is insurable in the same way as if it was not on church land.
       
      Reason:  The Scheme insures building work for a residence or its related roofed building regardless of whether or not it is located on church owned land (Sections 9 and 11 Queensland Building and Construction Commission Regulation 2003).

      Building work for a residence or its related roofed building on church owned land is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: The Scheme insures building work for a residence or its related roofed building on church owned land on the same basis as any other residence or related roofed building (see section 67WC and sections 67WE and 67WF of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Nursing Homes

      Construction or building work for a Nursing Home is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a nursing home is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(iii) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      No
      Hide O
      Off-site prefabrication of buildings

      Off-site prefabrication of the whole of a building that could be a residence, or a related roofed building, is not insurable work.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(d) Queensland Building and Construction Commission Regulation 2003).

      Off-site prefabrication of the whole of a building that could be a residence, or a related roofed building, is not insurable work.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(d) of the Queensland Building
      and Construction Commission Act 1991
      – as amended)

      No
      Orphanages

      Construction or building work for an orphanage is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for an orphanage is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation. (see section 67WB(1)(a)(iv) of the Queensland Building and Construction Commission Act 1991
      – as amended)

      No
      Over 50's Home Residential Parks

      ​Construction or building for an over 50’s home residential park (Manufactured Home Park) is not insurable work.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(f) Queensland Building and Construction Commission Regulation 2003).

      Building work for a manufactured home fixed to land in a residential park is insurable on the same basis as building work for a residence.

      Reason: Building work for a manufactured home fixed to land in a residential park, whether or not permanently fixed, is a residence under the legislation and is insured in the same way
      as any other residence (see section 67WE(3) of the Queensland Building and Construction Commission Act 1991 – as amended).

      Yes
      Owner Builder

      Building work carried out by a building contractor for a person who is the holder of an owner-builder permit covering the work is not insurable work.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work carried out by a building contractor for a person who is the holder of an owner-builder permit covering the work is not insurable work.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(b) of the Queensland Building and Construction Commission Act 1991 (as
      amended).

      No
      Hide P
      Painting

      External or internal painting on its own is not insurable work. However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

      Reason: This work in isolation is excluded as insurable under the Regulation (Section 11(3) Queensland Building and Construction Commission Regulation 2003).

      Painting (internal or external) of a residence or related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended) and section 27(a) of the Queensland Building and Construction Commission Regulation 2018 (as amended). Painting of an external wall of a residence or its related roofed building is specifically referred to as an example of the application of section 27(a).

      Yes
      Pergola or Patio

      Construction or a structural renovation of a patio or pergola attached to a residence or related roofed building is insurable work.

      The construction of a free standing pergola is only insurable if it is a related roofed building.

      A related roofed building:

      • is a fixed structure;
      • is on the site of a residence or proposed residence;
      • is for private use;
      • has a roof that is impervious to water or wind.

      The painting of a pergola in isolation is not insurable work. However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

      Reason: Building work that affects the structural performance of a residence or related roofed building, or increases the building’s covered floor area, is insurable under the legislation. The Scheme also insures the construction of related roofed buildings (Sections 11 (2)(a) and (b) Queensland Building and Construction Commission Regulation 2003).

      Building work for a patio or pergola attached to a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300
      or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended) and sections 27(a) and 27(d) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      Building work for a patio or pergola is insurable if it is a related roofed building and the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      To be a related roofed building it would have to be:

      • a fixed structure;
      • on the site of a residence or proposed residence;
      • for the use of the residence;
      • with a roof that is impervious to water or wind.

      Reason: The Scheme insures related roofed buildings for a residence (see section 67WF of the Queensland Building and Construction Commission Act 1991 – as amended).

      An example of a pergola that is not insurable is where it does not have a sealed roof.

      No
      Plumbing Works

      Any plumbing work performed in relation to the primary water supply for a residence or its related roofed building is insurable.

      Reason: Building work for the installation or repair of water supply to, or sewerage or drainage for, a residence or its related roofed building under the legislation (Section 11(2)(g) Queensland Building and Construction Commission Regulation 2003).

      Plumbing works within a residence

      All plumbing work within a residence or its related roofed building, unless it is for heating water, is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended).

      Hot water systems

      Plumbing work for hot water systems for a residence or related roofed building for the purposes of heating water is not insurable in isolation. However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract.

      Reason: Building work of this kind is associated insurable work and is not insurable on its own under the legislation (see section 67WC(2)(d)(iii) of the Queensland Building and Construction Commission Act 1991 – as amended). Plumbing external to a residence or a related roofed building 

      Plumbing work outside of the residence or related roofed building is insurable work if it is for a structure attached to the external part of the residence or its related roofed building and is for any of the following for the building:

      • primary water supply;
      • sewerage or drainage;
      • stormwater discharge;
      • altering an existing water pipe for the primary water supply;
      • repairing a downpipe or gutter that drains to a stormwater drain;
      • extending a sanitary drain that connects to a main of a sewerage system.

      Further, the work must be over an insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work of this kind is primary insurable work as defined in section 27(c) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      Yes
      Pre-fabricated home

      Off-site prefabrication of the whole of a building, in final form or parts, that could be a residence or related roofed building for the purposes of sale, is not insurable work.
       
      However, if the work is carried out under a building contract that includes the construction of the building on-site, the prefabricated parts are considered to be materials and therefore part of the construction of the building.
       
      Reason: The construction of a residence fixed to land is insurable under legislation (Section 11(2) Queensland Building and Construction Commission Regulation 2003). However, for the purposes of deciding the value of the work, the value of materials must be included (Schedule 2 Queensland Building and Construction Commission Act 1991).

      Off-site prefabrication of the whole of a building, in final form or parts, that could be a residence or related roofed building, is not insurable work.

      The installation of a prefabricated building onsite is insurable work.

      Reason: The erection or construction of a residence or related roofed building is insurable under legislation (see section 67WC and 67WE of the Queensland Building and Construction
      Commission Act 1991
      – as amended).

      Note: For the purposes of deciding the value of the work, the value of the construction offsite and its transportation to the building site are included (see section 67WA of the Queensland
      Building and Construction Commission Act 1991
      – as amended).

      No
      Previously insured work

      If a licensee is carrying out work under a contract where the work already has, for some reason, existing Home Warranty Insurance cover for a different contract, please contact us on 139 333 for assistance.

      This may occur, for example, where the building contractor has commenced construction and the building has been sold to a new owner, requiring a builder to enter into a new contract.

      If a licensee is carrying out work under a contract where the work already has, for some reason, existing Home Warranty Insurance cover for a different contract, please contact us on 139 333 for assistance.

      This may occur, for example, where the building contractor has commenced construction and the building has been sold to a new owner, requiring a builder to enter into a new contract.

      No
      Prison

      Construction or building work for a Prison is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Act 1991 Regulation 2003).

      Building work for a prison is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(ii) of the Queensland Building and Construction Commission Act 1991
      – as amended)

      No
      Hide R
      Related roofed buildings for multiple dwellings

      ​The construction of a related roofed building for a multiple dwelling that is not attached to dwelling is insurable if the multiple dwelling is not more than 3 storeys (excluding 1 lower level of car park if more than 50% of area used as a car park).

      Also, in this circumstance, notional pricing does not apply.

      A related roofed building:

      • is a fixed structure
      • is on the site of a residence or proposed residence
      • is for private use
      • has a roof that is impervious to water or wind.

      Reason: The Scheme insures related roofed buildings for a residence, refer to the relevant version of the QBCC Regulation that existed prior to 28 October 2016.

      Building work for a related roofed building for a multiple dwelling that is not attached to the dwelling is insurable if it is on a site of a multiple dwelling that is no more than 3 storeys (excluding 1 level of car park where more than 50% of area used as a car park).

      Further, the work must be over an insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). A related roofed building is:

      • a fixed structure;
      • on the site of a residence or proposed
      • residence;
      • for the use of the residence;
      • with a roof that is impervious to water or wind.

      Reason: The Scheme insures related roofed buildings for a residence (see section 67WF of the Queensland Building and Construction Commission Act 1991 – as amended). 

      No
      Rendering

      External or Internal Rendering on its own is not insurable work. However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.
       
      Reason: This work (when done in isolation) is not included as insurable work under the legislation (Sections 11(2) and 12 Queensland Building and Construction Commission Regulation 2003).

      Rendering (internal or external) of a residence or related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1)(b) of the Queensland Building and Construction Commission Act 1991 – as amended.

      Also see section 27(a) of the Queensland Building and Construction Commission Regulation 2018 – as amended.

      Yes
      Residential parks for manufactured homes

      ​All building work in a residential park for manufactured homes is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(f) Queensland Building and Construction Commission Regulation 2003).

      Building work for a manufactured home or its related roofed building in a residential park is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a manufactured home fixed to land in a residential park, whether or not permanently fixed, is a residence under the legislation and is insured in the same way as any other residence (see section 67WE(3) of the Queensland Building and Construction Commission Act 1991 – as amended).

      Yes
      Restumping

      The restumping of a residence or a related roofed building is insurable.

      Reason: Building work that affects the structural performance of a residence, or its related roofed buildings, is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for the restumping of a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 27(f) of the Queensland Building and Construction Commission Regulation 2018 (as amended) and section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended).

      The replacement of a stump for a residence or a related roofed building is an example of section 27(f) of the Regulation.

      Yes
      Retaining Walls

      The construction of a retaining wall is insurable work if it affects the structural performance of the insured residence or its related building (e.g. a shed).
       
      As a general guide, the construction of a retaining wall affects the structural performance of a residence or related roofed building if the retaining wall is part of the structure of the building, or, if it is freestanding, supports the surcharge load of one of these buildings. 
       
      Should a certifier or building contractor have any concerns as to whether a retaining wall is supporting the surcharge load of a residence or related roofed building, it is recommended that they seek clarification from the engineer.
       
      However, non-structural retaining walls are not insurable work unless carried out under a contract that includes over $3300 of primary building work (an example is part of building a house).
       
      Reason: Building work that affects the structural performance of the residence or its related roofed buildings (including loading) is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Supporting retaining wall

      Building work for the installation or repair of a retaining wall that supports a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work of this kind for a residence or related roofed building is primary insurable work under section 25(f) of the Queensland Building and Construction Commission Regulation 2003 (as amended). The installation or repair of a retaining wall that supports a residence or a related roofed building is an example of section 25(f).

      Freestanding retaining wall

      Building work for a free standing retaining wall that does not support a residence or a related roofed building is not insurable in isolation.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes construction of a home) it is insurable under the main contract. 

      Reason: Building work of this kind is associated insurable work and is not insurable on its own under the legislation (see section 67WC(2)(a) of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Retirement Villages

      Construction or building work for a Retirement Village (even if the village is not registered under the Retirement Villages Act 1999) is not insurable.

      A retirement village is premises where older members of the community or retired persons reside, or are to reside, in independent living units or serviced units, under a retirement village scheme.

      A retirement village scheme is a scheme under which a person:

      • enters into a residence contract; and
      • in consideration for paying an ingoing contribution under the residence contract, acquires personally or for someone else, a right to reside in a retirement village, however the right accrues; and
      • on payment of the relevant charge, acquires personally or for someone else, a right to receive 1 or more services in relation to the retirement village.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a retirement village (even if the village is not registered under the Retirement Villages Act 1999) is not insurable.

      A retirement village is premises where older members of the community or retired persons reside, or are to reside, in independent living units or serviced units, under a retirement village scheme.

      A retirement village scheme is a scheme under which a person:

      • enters into a residence contract; and in consideration for paying an ingoing contribution under the residence contract, acquires personally or for someone else, a right to reside in a retirement village, however the right accrues; and
      • on payment of the relevant charge, acquires personally or for someone else, a right to receive 1 or more services in relation to the retirement village.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(v) of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Roller Doors

      Installation or replacement of a roller door is insurable work.

      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including wall or wind loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for a roller door in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a roller door is insurable if it is primary insurable work as defined in section 67WC(1)(b) of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Roof restorations

      Building work for a roof, other than cleaning or painting, is insurable work.
       
      Cleaning or painting of the roof, in isolation, is not insurable work. However, if the work is carried out under a contract that includes over $3300 of primary building work (for example, a contract which includes roof repair work and repointing valued at over $3300) it is insurable under the main contract.
       
      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building, is insurable work under the legislation (including roof or wind loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).
       
      Building work for the replacement of a roof in a residence or its related roofed building is insurable work under the legislation. (Section 11 (2) (c) Queensland Building and Construction Commission Regulation 2003).

      Building work for a roof (including painting) is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Cleaning of the roof, in isolation, is not insurable work. However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract which includes roof painting, repair work and/or repainting) it is insurable under the main contract.

      Reason: See section 27(a) of the Queensland Building and Construction Commission Regulation 2018 – as amended

      Also see section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended.

      Yes
      Hide S
      Schools

      Construction or building work on the site of a School is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13 (1) (a) Queensland Building and Construction Commission Regulation 2003).

      Building work on the site of a school is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation. See section 67WB(1)(a)(vi) of the Queensland Building and Construction Commission Act 1991 (as amended).

      No
      Scout Hall

      The construction of a Scout hall is not insurable as it is not a residence or a related roofed building.
       
      Reason: Work that is not for a residence or its related roofed building is not insured under the Scheme. 

      Building work for a scout hall is not insurable. Building work for a shed or like structure for a scout hall is also not insurable.

      Reason: The Scheme only insures residential construction work. Building work for a scout hall is not residential construction work as a scout hall is not a residence or a related roofed building for a residence. See sections 67WF and 67WE of the Queensland Building and Construction Commission Act 1991 (as amended)

      No
      Security/fly screens

      The installation or repair of a security door or grill (e.g. a security screen) is not insurable when done in isolation.
       
      However, if the work is carried out under a contract that includes over $3300 of primary building work (e.g. a contract which includes replacement of a wall valued over $3300) it is insurable under the main contract.
       
      Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Sections 11(3) Queensland Building and Construction Commission Regulation 2003).

      Building work for a security door, grill or screen in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work is insurable if it is primary insurable work as defined in section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended.

      Yes
      Sewerage Treatment works

      Building work for installation or repair of sewerage treatment works for a residence or related roofed building is insurable work.

      Reason: Building work for the installation or repair of water supply to, or sewerage or drainage for a residence or its related roofed building, is insurable under the legislation (Sections 11(2)(g) Queensland Building and Construction Commission Regulation 2003).

      Building work for the installation or repair of sewerage treatment works for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: See section 67WC(1)(c) of the Queensland Building and Construction Commission Act 1991 – as amended.

      Also see section 25(c)(ii) of the Queensland Building and Construction Commission Regulation 2003 – as amended.

      No
      Sewerage/wastewater

      Refer to Wastewater/sewerage.

      Shade Sails

      Construction or a structural renovation of a shade sail attached to a residence or related roofed building is insurable work as it affects the structural performance of part or all of the residence (wind and wall loading).

      The construction of a free standing shade sail is only insurable if it is a related roofed building. A related roofed building:

      • is a fixed structure;
      • is on the site of a residence or proposed residence;
      • is for private use;
      • has a roof that is impervious to water or wind.

      Reason: Building work that affects the structural performance of a residence or related roofed building, or increases the building’s covered floor area, is insurable under the legislation. The Scheme also insures the construction of related roofed buildings (Section 11 of the Queensland Building and Construction Commission Regulation 2003)

      Building work for a shade sail on the site of a residence is not insurable work in isolation.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract to build a swimming pool) it is insurable under the main contract.

      Reason: Under the legislation a sail, umbrella or like thing is not a residence or related roofed building. Work on a sail is therefore unable to be primary insurable work. It may however be associated insurable work if included as part of a contract for primary insurable work (valued over $3300), such as the construction of a house or swimming pool.

      See sections 67WC and 67WF of the Queensland Building and Construction Commission Act 1991 (as amended).

      Example of a shade sail:

      Yes
      Shed, Carport or Garage

      ​The construction, relocation or repair of a shed, carport or garage is insurable if it is a related roofed building for a residence. A related roofed building:

      • is a fixed structure
      • is on the site of a residence or proposed residence
      • is for private use
      • has a roof that is impervious to water or wind.

      Reason: The Scheme insures related roofed buildings for a residence. (Sections 9, 11(2)(a)&(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for a shed, carport or garage is insurable if:

      • the shed, carport or garage is a related roofed building; and
      • the work is primary insurable work (valued over $3300) (e.g. the erection or construction of the building or work within the building envelope of the building).

      Work of the above nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      A building is a related roofed building if it is:

      • a fixed structure;
      • on the site of a residence or proposed residence;
      • for the use of the residence; and
      • with a roof that is impervious to water or wind.

      Reason: The Scheme insures residential construction work for related roofed buildings for a residence (see sections 67WC and 67WF of the Queensland Building and Construction Commission Act 1991 – as amended)

      No
      Shipping Container Fixed to Site

      The installation or conversion of a shipping container to be used as a residence or related roofed building on a residential site is insurable work. The shipping container is considered to be a material for the purposes of the work.

      The offsite prefabrication of a shipping container on its own, in final form or parts that could be a residence or related roofed building for the purposes of sale, is not insurable work.

      Reason: The construction of a residence fixed to land is insurable under legislation (Section 11(2) Queensland Building and Construction Commission Regulation 2003). However, for the purposes of deciding the value of the work, the value of materials must be included (Schedule 2 Queensland Building and Construction Commission Act 1991).

      The installation or conversion of a shipping container to be used as a residence or related roofed building on a residential site is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300). The shipping container is considered to be a material for the purposes of the work.

      The offsite prefabrication of a shipping container on its own, in final form or parts, that could be a residence or related roofed building for the purposes of sale, is not insurable work.

      Reason: The construction of a residence fixed to land is insurable under legislation as it is primary insurable work (see section 67WC(1) of the Queensland Building and Construction Commission Act 1991 - as amended).

      Note: For the purposes of deciding the insurable value of the work, the value of materials must be included regardless of whether in fact the contractor actually supplied them (see section 67WA of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Shutters screens

      Installation or replacement of shutters in isolation is not insurable work.

      However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

      Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Sections 11(3) and 12 Queensland Building and Construction Commission Regulation 2003).

      The installation or replacement of shutter screens for a residence or related roofed building is not insurable work in isolation.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.

      Reason: This work in isolation is excluded as being insurable under the legislation (see section 67WC (2)(d)(v) of the Queensland Building and Construction Commission Act 1991
      – as amended).

      Example of a shutter screen:

      No
      Skirting Boards

      The installation or replacement of a skirting board for a residence or related roofed building is not insurable work.

      However, if the work is carried out under a contract that includes primary building work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.

      Reason: The installation or replacement of a skirting board is not insurable work under the legislation as it does not fall within the list of items defined as primary building work in section 11 of the Queensland Building and Construction Commission Regulation 2003.

      Building work for skirting boards for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work on skirting boards is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991 – as amended. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      Example of a skirting board:

      No
      Skylights

      The installation or replacement of a skylight is insurable as it affects the structural performance of part of a residence or its related roofed building (roof or wind loading).

      Other building work for a skylight may be insurable if it involves replacement of part of the roof or otherwise affects the structural performance of the residence or its related roofed building.

      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building is insurable work under the legislation (including roof or wind loading) (Section 11(2)(b) Queensland Building and Construction Commission  Regulation 2003).

      Building work for the replacement of a roof in a residence or its related roofed building is insurable work under the legislation (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

      Building work for a skylight for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a skylight for a residence or its related roofed building is primary insurable work as defined in section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      Also see section 25 of the Queensland Building and Construction Commission Regulation 2003 – as amended.

      No
      Soffits

      The installation or repair of a soffit is insurable.

      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building, is insurable work under the legislation (including wall or wind loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work (including the painting of) for a soffit for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a soffit for a residence or its related roofed building is primary insurable work as defined in section 67WC of the Queensland Building and Construction Commission Act 1991 – as amended. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      Also see section 27(b) of the Queensland Building and Construction Commission Regulation 2018 – as amended.

      Example of a soffit:

      No
      Solar panels and solar hot water systems

      Installation of, or building work for, solar panels and solar hot water systems on their own is not insurable work.
       
      However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

      Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Sections 11(3) and 12 Queensland Building and Construction Commission Regulation 2003).

      Installation, renovation, repair or replacement of solar panels and solar hot water systems on their own is not insurable work.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.

      Reason: Building work of this kind is associated insurable work and is not insurable on its own under the legislation (see section 67WC(2)(d) of the Queensland Building and Construction Commission Act 1991 as amended)).

      No
      Solid Plastering

      Solid Plastering on its own is not insurable work. This differs from the installation or replacement of plasterboard which is insurable work.
       
      However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

      Reason: Building work of this kind is associated building work and is not insurable on its own under the legislation (Sections 11(3) and 12 Queensland Building and Construction Commission Act 1991 Regulation 2003).

      Solid plastering for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Solid plastering for a residence or related roofed building is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building. 

      Yes
      Stair lifts

      Installation of a stair lift is insurable work.

      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building, is insurable work under the legislation (including wall or people loading). (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for a stair lift in a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a stair lift for a residence or related roofed building is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      No
      Stairs

      The installation, replacement or relocation of an internal stair is insurable work.

      Other building work on an internal stair is insurable work if it affects the structural performance of the stairs, or another part of the residence or its related roofed building. Cosmetic resurfacing (eg, sanding or polishing) is not insurable work in isolation.

      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including people loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).
       
      The installation, replacement, relocation or building work for an external stair is insurable work.

      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including people loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for an unenclosed elevated platform is insurable under the legislation (Section 11(2)(e) Queensland Building and Construction Commission Regulation 2003). 

      Building work for internal stairs or external stairs for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason:

      Internal stairs

      Building work for internal stairs for a residence or related roofed building is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      External stairs

      Building work for external stairs providing access to a residence or related roofed building is insurable if the stairs are, or are to be,permanently attached to the residence or related roofed building, and the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Refer to section 27(e) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      No
      Stormwater

      Stormwater - relates to the capture, collection and/or removal of rain. It can include roof, gutters, downpipes and the pipes underground (stormwater lines) that remove the water off the property and into the main stormwater pipes under the footpath/street.

      The installation or repair of a stormwater drainage system is insurable where it is for the drainage of a residence or related roofed building. However, insurable work does not include installation or repair of drainage mains.

      Reason: Building work for the installation or repair of water supply to, or sewerage or drainage for a residence or its related roofed building is insurable under the legislation (Section 11(2)(g) Queensland Building and Construction Commission Regulation 2003).

      Building work for a structure attached to the external part of a residence or its related roofed for stormwater discharge is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      For example, repairing downpipes or gutters that drain stormwater from a residence or its related roofed building to a stormwater drain will be primary building where the contract value of the work exceeds $3300.

      Reason: See section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended) and section 28(c) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      No
      Swimming Pool

      Construction or building work for swimming pool on its own is not insurable work.
      However, if the construction or the building work for the swimming pool is carried out under a contract that includes over $3300 of primary building work (e.g. building a house and pool) it is insurable under the main contract.

      Reason: This work in isolation is excluded as insurable under the Regulation (Section 11 (3) Queensland Building and Construction Commission Regulation 2003).

      External swimming pool

      The erection, construction or installation of a swimming pool (including a spa) for a residence or proposed residence is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Work for the repair of an existing swimming pool is only insurable if it is carried out under a contract that includes over $3300 of primary insurable work (e.g. construction of a substantive shed). In these circumstances it is insurable under the main contract.

      Note the following matters are not insurable in relation to a swimming pool:

      • a defect in the work for the pool that is not a structural defect
      • surfacing of an area outside the coping for the pool
      • associated work such as paving, supplying or installing water features, swimming pool slides, diving boards and swimming pool equipment and housings
      • steps for the pool that are not fixed structures

      Reason: For internal and external swimming pools – see section 67WC(1)(b) and 67WC(1)(d) of the Queensland Building and Construction Commission Act 1991 (as amended) and schedule 6 of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      Yes
      Hide T
      Telephone or data cables

      The installation or repair of telephone or data cables is not insurable as it is not building work.

      The installation or repair of telephone or data cables to a residence is not insurable.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.

      Reason: This work is excluded from the definition of primary insurable work under the legislation (see section 67WC(2)(e) of the Queensland Building and Construction Commission Act 1991 and section 28(1)(c)(iv) of the Queensland Building and Construction Commission Regulation 2018 – as amended and section 28(1)(iv) of the Queensland Building and Construction Commission Regulation 2018 – as amended). However, the installation or repair of telephone or data cables to a residence may be considered associated insurable work as it need not be building work (see section 67WD(2) of the Queensland Building and Construction Commission Act 1991).

      Yes
      Temporary building e.g. demountable home

      A building designed as a temporary building, including a demountable building, that is used as a residence is not insurable.

      Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (Section 9(c)(b) Queensland Building and Construction Commission Regulation 2003).

      A building designed as a temporary building, including a demountable building, that is used as a residence is not insurable.

      Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (see section 67WE(5) of the Queensland Building and Construction Commission Act 1991 – as amended).

      No
      Tennis court

      The construction of a tennis court is insurable if it is a related roofed building for a residence.

      A related roofed building:

      • is a fixed structure
      • is on the site of a residence or proposed residence
      • is for private use
      • has a roof that is impervious to water or wind.

      Reason: The Scheme insures the construction of related roofed buildings for a residence (Sections 9, s11(2)(a) Queensland Building and Construction Commission Regulation).

      The construction, alteration, improvement or repair of a tennis court is insurable if it is a related roofed building for a residence and the work is over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      A related roofed building:

      • is a fixed structure
      • is on the site of a residence or proposed residence
      • is for private use
      • has a roof that is impervious to water or wind.

      Reason: See sections 67WC and 67WF of the Queensland Building and Construction Commission Act 1991 and section 25(a) of the Queensland Building and Construction Commission Regulation 2003

      No
      Tent

      Construction or building work for a tent is not insurable.

      Reason: The Scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (Section 9(c)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a tent that is used as a residence is not insurable.

      Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is excluded from being a residence under the legislation. See section 67WE (5) of the Queensland Building and Construction Commission Act 1991 (as amended).

      No
      Termite Barrier - physical

      The installation of a physical termite barrier is insurable because it affects the structural performance of the residence or related roofed building.
       
      Reason: Building work that affects the structural performance of a residence or its related roofed buildings is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      The installation of a physical termite barrier is insurable if it is primary insurable work (valued over $3300). For example, it may be primary insurable work if it forms part of the following work:

      • The erection or construction of a residence or related roofed building;
      • Building work for the renovation, alteration, extension, improvement or repair of the building envelope for a residence or related roofed building;
      • Building work for the installation, repair or replacement of support structures for a residence or related roofed building (e.g. restumping).

      The installation of a physical termite barrier is also insurable (as associated insurable work) if it is under a contract that includes over $3300 of primary insurable work that is not one of the items listed above. Note in this case the value of the physical termite work is not included in the $3300 threshold for determining whether the other work in the contract is primary insurable work.

      Reason: See sections 67WC and 67WD of the Queensland Building and Construction Commission Act 1991 (as amended) and section 27 of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      Yes
      Tiling

      Tiling in a bathroom or kitchen in a residence, or related roofed building, is insurable work.

      Reason: All building work for a fixture or fitting in a bathroom or kitchen is insurable under the legislation (Section 11(2)(d) Queensland Building and Construction Commission Regulation 2003).    

      Tiling which forms part of the waterproofing (e.g. in a laundry) in a residence, or related roofed building, is insurable.    

      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including waterproofing) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).    

      Tiling of a floor or wall in a residence, or its related roofed building, is insurable work where it is the replacement of an existing floor or wall. For example, the removal and relaying of existing tiles, which form part of a floor or wall, is insurable work.      

      However, the laying of tiles on a floor or wall in isolation is not insurable, unless the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) then it is insurable under the main contract.     

      Reason: The replacement or relocation of a floor in a residence, or related roofed building, is expressly stated in the legislation to be insurable (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).   

      Tiling for a residence or related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Tiling can be primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991 (as amended). Under this section, primary insurable work ncludes
      building work within the building envelope of a residence or related roofed building.

      See section 27(a) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

      Yes
      Trailer

      Construction or building work for a trailer is not insurable.

      Reason: The Scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (Section 9(c)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a trailer that is used as a residence is not insurable.

      Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is excluded from being a residence under the legislation. See section S67WE(5) of the Queensland Building and Construction Commission Act 1991 (as amended).

      No
      Train

      Construction or building work for a train that is used as a residence is not insurable.

      Reason: The Scheme only insures building work for a residence or its related roofed building. This type of building is not defined as a residence under the legislation (Section 9(c)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work for a train that is used as a residence is not insurable.

      Reason: The scheme only insures building work for a residence or its related roofed building. This type of building is excluded from being a residence under the legislation. See section S67WE(5) of the Queensland Building and Construction Commission Act 1991 (as amended).

      No
      Transporting or moving a building

      A contract for the transportation only of a completed building (whole or in parts) to a residential site is not insurable work. If a contract to construct a residence or its related roofed building includes a component for transportation of a completed building, the value of the transportation should be excluded from the premium calculation.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(c) Queensland Building and Construction Commission Regulation 2003).

      A contract for the transportation only of a completed building (whole or in parts) to a residential site is not insurable work.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(c) of the Queensland Building and Construction Commission Act 1991).

       

      No
      Hide U
      Umbrellas

      Construction, or a structural renovation, of an umbrella attached to a residence or related roofed building is insurable work.

      The construction of a free standing umbrella is only insurable if it is a related roofed building.

      A related roofed building:

      • is a fixed structure;
      • is on the site of a residence or proposed residence;
      • is for private use;
      • has a roof that is impervious to water or wind.

      All other types of umbrellas, in isolation, are not insurable. However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.

      Reason: Building work that affects the structural performance of a residence or related roofed building, or increases the building’s covered floor area, is insurable under the legislation. The Scheme also insures the construction of related roofed buildings (Section 11 of the Queensland Building and Construction Commission Regulation 2003)

      Building work for an umbrella on the site of residence is not insurable work in isolation.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. a contract to build a swimming pool) it is insurable under the main contract.

      Reason: Under the legislation a sail, umbrella or like thing is not a residence or related roofed building. Work on a sail is therefore unable to be primary insurable work. It may however be associated insurable work if included as part of a contract for primary insurable work such as the construction of a house or swimming pool. 

      See sections 67WC and 67WF of the Queensland Building and Construction Commission Act 1991 (as amended).

      Yes
      Underpinning

      Underpinning is insurable work as it affects the structural performance of the residence or related roofed building.
       
      Reason: Building work that affects the structural performance of a residence or its related roofed buildings is insurable under the legislation (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for the underpinning of a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for the installation, repair or replacement of support structures for a residence or its related roofed building is primary insurable work. 

      See section 27(f) of the Queensland Building and Construction Commission Regulation 2018 (as amended) and section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended).
      The installation of underpinning for a residence or a related roofed building is an example given of this category of primary insurable work in section 27(f) of the Regulation.

      No
      University

      Construction or building work on the site of a University is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Building work on the site of a university is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation. See section 67WB(1)(a)(vi) of the Queensland Building and Construction Commission Act 1991 (as amended).

      No
      Hide V
      Vinyl Cladding

      ​The installation or replacement of vinyl cladding for a residence or related roofed building is insurable work.

      Reason: The installation or replacement of a vinyl cladding is insurable work under the legislation as it affects the structural performance (wall and wind loading) of the building or part of the building (Section 11 Queensland Building and Construction Commission Regulation 2003).

      Building work for vinyl cladding for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a structure attached to the external part of a residence or its related roofed building, if it does not have any other  supporting structure, is primary insurable work. Building work for cladding is prescribed in legislation as an example of this type category of primary insurable work.

      See section 67WC of the Queensland Building and Construction Commission Act 1991 (as amended) and section 25(b) of the Queensland Building and Construction 2003 Commission Regulation (as amended).

      Example of vinyl cladding:
       

      Yes
      Hide W
      Walk-in Robe

      The construction of a built-in or walk-in wardrobe in a residence is insurable.
       
      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including wall loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for the replacement of a wall or internal partition in a residence, or its related roofed building, is insurable work under the legislation. (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

      Building work for a walk-in robe for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work on a walk-in robe for a residence or related roofed building is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      No
      Wall and ceiling replacement

      Relocation, replacement or installation of a wall or a ceiling is insurable work.
       
      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building is insurable work under the legislation (including wall loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for the replacement of a wall or internal partition in a residence or its related roofed building is insurable work under the legislation. (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

      Building work for the replacement of a wall or ceiling for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for the replacement of a wall or ceiling for a residence or related roofed building is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      No
      Wastewater/sewerage/Septic tanks/Septic systems

      The installation or repair of a wastewater or sewerage system is insurable where it is for the sewerage for a residence or related roofed building. However, insurable work does not include installation or repair of sewerage mains.
       
      Wastewater - relates to both black water (from the toilet) and grey water (used water from the house e.g. sink, shower etc.). Once this water has been captured by the pipes taking it from the house, it connects to the wastewater/sewerage lines/sanitary drainage underground. This sewerage line then takes it off the property and connects to the main sewer line under the footpath/street.

      Reason: Building work for the installation or repair of water supply to, or sewerage or drainage for, a residence or its related roofed building is insurable under the legislation (Section 11(2)(g) Queensland Building and Construction Commission Regulation 2003).

      Building work for the installation or repair of a wastewater or sewerage system for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for anything connected or attached to a residence or its related roofed building that requires building or plumbing approval can be primary insurable work (see section 67WC(1)(c) of the Queensland Building and Construction Commission Act 1991 – as amended).

      Also, building work for a structure attached to the external part of a residence or related roofed building if that structure is for the sewerage or drainage for the residence or related roofed building can be primary insurable work (see section 27(c)(ii) of the Queensland Building and Construction Commission Regulation 2018– as amended).

      Note: insurable work does not include installation or repair of sewerage mains.

      No
      Watch houses

      Construction or building work for a Watch house is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (Section 13(1)(a) Queensland Building and Construction Commission Regulation 2003).

      Construction or building work for a watch house is not insurable.

      Reason: Building work of this kind is excluded from being insurable under the legislation (see section 67WB(1)(a)(ii) of the Queensland Building and Construction Commission Act 1991).

      No
      Water meters

      The installation or repair of a water meter, in isolation, is not insurable. However, if the work is carried out under a contract that includes over $3300 of primary building work (an example is part of building a house) it is insurable under the main contract.
       
      Reason: This type of work, in isolation, is not insurable as it does not form part of the installation or repair of the primary water supply for the residence or related roofed building. (Section 11(2)(g) Queensland Building and Construction Commission Regulation 2003).

      The installation or repair of a water meter is not insurable in isolation.

      However, if the work is carried out under a contract that includes primary insurable work (valued over $3300) (e.g. the building of a house) it is insurable under the main contract.

      Reason: See section 28(1)(c)(v) of the Queensland Building and Construction Commission Regulation 2018).

      No
      Water tanks

      The installation or repair of a water tank that forms part of the primary water supply of the residence or related roofed building is insurable work. (Sections 11(2)(g) & 11(3)(ix) Queensland Building and Construction Commission Regulation 2003).
       
      Reason: Building work for the installation or repair of water supply to, or sewerage or drainage for, a residence or its related roofed building is insurable under the legislation (Section 11(2)(g) Queensland Building and Construction Commission Regulation 2003).
       
      A water tank that is connected to the stormwater system of a residence or related roofed building but does form part of the primary water supply is not insurable in isolation. However, if the work is carried out under a contract that includes over $3300 of primary building work (e.g. a contract which includes replacement of the primary water system valued at over $3300) it is insurable under the main contract.
       
      Reason: This work in isolation is excluded as insurable under the Regulation (Section 11(3) Queensland Building and Construction Commission Regulation 2003).
       
      A water tank that is not connected to the stormwater system of a residence or related roofed building is never insurable work. 
       
      Reason: Work of this type is not building work regulated under the Queensland Building and Construction Commission Act 1991. (Schedule 2 Queensland Building and Construction Commission Act 1991).

      The installation or repair of a water tank that forms part of the primary water supply of the residence or related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for the installation or repair of a structure attached to the external part of a residence or related roofed building and which is for the primary water supply to a residence or its related roofed building is insurable under the legislation (see section 27(c)(i) of the Queensland Building and Construction Commission Regulation 2018– as amended).

      Note: In the Regulation there are examples provided in paragraph (c) – the example relevant to section 27(c)(i) is – installing a water tank for the primary water supply to a residence. 

      No
      Window hood/window cover/window decoration

      The installation or replacement of a window hood or window cover is insurable work.
       
      Reason: Building work that affects the structural performance of a residence, part of a residence or its related roofed building is insurable work under the legislation (including wall or wind loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for a window hood or cover for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a structure attached to the external part of a residence or its related roofed building, if it does not have any other supporting structure, is primary insurable work. 

      See section 27(b) of the Queensland Building and Construction Commission Regulation 2018 (as amended).

       

      Yes
      Window replacement

      Window replacement is insurable work.

      Reason: Building work that affects the structural performance of a residence, part of a residence, or its related roofed building, is insurable work under the legislation (including wall or wind loading) (Section 11(2)(b) Queensland Building and Construction Commission Regulation 2003).

      Building work for the replacement of a wall in a residence, or its related roofed building, is insurable work under the legislation. (Section 11(2)(c) Queensland Building and Construction Commission Regulation 2003).

      Building work for a window for a residence or its related roofed building is insurable work if over the insurable value of $3300. Work of this nature of a value of $3300 or less is also insurable work if carried out under a contract that includes primary insurable work (valued over $3300).

      Reason: Building work for a window for a residence or its related roofed building is primary insurable work as defined in section 67WC(1) of the Queensland Building and Construction Commission Act 1991. Under this section, primary insurable work includes building work within the building envelope of a residence or related roofed building.

      No
      Work carried out on own home vs Speculative work for licenced contractors

      ​A licensed building contractor who carries out residential construction work under their licence on their own property is not required to pay an insurance premium if they do not intend to sell the property within 6 years and 6 months after commencement of construction.

      A building contractor is required to provide a statutory declaration to the Commission stating that the property is not intended for sale. The statutory declaration should also include an undertaking that a premium will be paid if the property is, for some reason, listed for sale at any time during the 6 years and 6 months after commencement of construction.

      View Statutory Declaration - Licensed builder working on own property

      Reason: There is no requirement under Section 68B Queensland Building and Construction Commission Act 1991 for a premium to be paid and no policy comes into force for the work under Section 69A Queensland Building and Construction Commission Act 1991.

      Please note: If you choose to not apply for an owner builder permit, QLeave will expect you to pay a levy of 0.475% of the total cost of your works. QLeave's legislation, taken from the Building and Construction Industry (Portable Long Service Leave) Act 1991 Part 8 Section 71(1) states "A person carrying out work under an owner-builder permit is exempt from payment of levy on all work carried out under the permit". They can only grant you an exemption from the levy if you present them with your owner builder permit.

      A licensed building contractor who carries out residential construction work under their licence on their own property is not required to pay an insurance premium if they do not intend to sell the property within 6 years and 6 months after commencement of construction.

      A building contractor is required to provide a statutory declaration to the Commission stating that the property is not intended for sale. The statutory declaration should also include an undertaking that a premium will be paid if the property is, for some reason, listed for sale at any time during the 6 years and 6 months after commencement of construction.

      View Proforma Statutory Declaration

      Reason: There is no requirement under section 68B of the Queensland Building and Construction Commission Act 1991 for a premium to be paid and no policy comes into force for the work under section 68I of the Queensland Building and Construction Commission Act 1991. 

      To be eligible, please ensure:

      • The name on the licence is exactly the same as the registered owner of the land (eg: registered owner must not be a trust, or a spouse)
      • If the work is to be carried out under a company licence, the company must be registered as the owner of the land.
      • If the land is registered in the individual contractor’s name, the licence must have the same name, must be active and must be a contractor type of licence (ie: not nominee supervisor licence or site supervisor licence)

       

      No