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QBCC Home Warranty Insurance Table 2022

 QBCC contractor insurance requirements

If you build or renovate a home, you need mortgage insurance. Paid for work with a market value of more than $3,300 for him and protects homeowners when construction work is destroyed, incomplete or sagging.

As you are responsible for paying your first tier premium, QBCC provides payment options and a premium table to help you calculate the amount. A change in the value of a project usually means a change in the amount of the premium. Find out what you need to do to make changes.


Another type of insurance you may need is Professional Liability Insurance (PI). PI insurance is required when applying for a license as an architect or fire protection contractor.


Queensland Home Guarantee Pattern

The Home Guarantee pattern is regulated by the Queensland Building and Construction Commission (QBCC) and provides loss collateral to the customer if the building contractor fails to complete a task or performs a damaged job and fails to repair it.


Under the Pattern, certified contractors who perform residential construction tasks in excess of $3,300, must pay insurance premiums on behalf of the customer to QBCC.

Starting 28 October 2016, the Queensland Home Guarantee Plan includes amendments planned to extend coverage to customers who were initially unable to connect to the Pattern.

The specific amendments are:


Expanded cover to include additional creations

Steps and time of payment of insurance premiums

Option to increase the amount of coverage by paying a separate premium to QBCC

Premium calculation

GST Implementation



Pattern Expansion

The current Home Guarantee pattern will include these additional tasks that cost over $3,300:

Construction or placement of a swimming pool.

Associated roofed house or building (e.g. warehouse):

All building tasks that have been carried out within the building envelope (outside or inside the building

Anything that sticks to the building when you need a building agreement or water flow

Any arrangement attached to the outside of the building (eg tents, handrails, etc.)

Stairs or access lanes permanently installed in buildings

Pipes and drainage for houses or roofed buildings relate to:

Building duties for special water supply (e.g. water tanks)

Building duties for sewerage or drainage (e.g. bonding to main sewerage)

Rainwater drainage (e.g. updating of downpipes and gutters)

Production house.



Insurance premium payment

Initially, the QBCC premium must be paid immediately after the contract with the customer is signed.


Under the replaced Pattern, the premium must be paid to QBCC within 10 days after signing the contract or before the start of the assignment (whichever comes first).



Optional Supplemental Coverage

Prior to this change, standard coverage was up to $200,000. Customers can now increase coverage to $300,000 by paying an additional premium to QBCC.


In order for a customer to be eligible for optional additional insurance, a standard premium must first be paid by an accredited contractor and the customer must add it within 30 days of contract signing or before work commences (whichever comes first). You have to pay the premium.


Premium Calculations

Current premiums are based on the total insured value of the job, including the value of materials provided by the contractor or owner.



Prior to 28th October 2016, the Contractor had paid insurance premiums for his Pola so he could recover her GST component from her GST income.

From 28th October, this pattern will require contractors to claim and pay premiums on behalf of their customers, resulting in the implementation of two specific GSTs. First, QBCC will issue tax invoices directly to customers and will no longer issue invoices to contractors. Secondly, the contractor has no right to claim her GST deduction as he only pays on behalf of the customer. This is because insurance premiums do not represent the cost of doing business. QBCC Home Warranty Insurance Table 2022