Australia — New South Walescontractor insurance & bonding requirements
Updated April 2026 · Source: NSW Home Building Compensation Fund + icare workers comp
Minimum requirements
- General liability
- $10,000,000
- Auto liability
- $1,000,000
- Workers' comp
- Required for crews
Licensed general contractors in Australia — New South Walescarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
HBCF insurance mandatory for contracts ≥$20K AUD. Public Liability customarily $10M AUD (~$6M USD).
Common questions
What insurance does a Australia — New South Wales general contractor need?
A Australia — New South Wales general contractor needs at minimum $10,000,000 general liability coverage plus $1,000,000 auto liability. Workers' compensation insurance is required for crews. Per NSW Home Building Compensation Fund + icare workers comp.
How much is the surety bond for Australia — New South Wales contractors?
Australia — New South Wales does not require a state-level surety bond for general contractors. HBCF insurance mandatory for contracts ≥$20K AUD. Public Liability customarily $10M AUD (~$6M USD).
Who is the licensing authority in Australia — New South Wales?
NSW Home Building Compensation Fund + icare workers comp is the authority for Australia — New South Wales contractor oversight. Public license lookup is available at https://www.fairtrading.nsw.gov.au/.
How does AskBaily verify contractors in Australia — New South Wales?
AskBaily runs automated verification against NSW Home Building Compensation Fund + icare workers comp before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Australia — New South Wales can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under NSW Home Building Compensation Fund + icare workers comp. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Australia — New South Wales
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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