When contracts create risk, we help you get it right

At Porterisk, we work with businesses that design, build, and deliver complex projects, helping you understand how contractual risk flows through your work and ensuring your insurance is aligned.

Many contracts require you to accept liabilities beyond standard negligence, including responsibility for the actions of others. These exposures aren’t always covered by standard policies, which can leave you exposed when a claim arises. We take the time to review your contracts, identify where risks sit, and ensure your cover is structured to respond properly.

Who we work with

We support a wide range of professionals and businesses, including:

Engineering disciplines Civil, structural, mechanical, electrical, geotechnical, environmental, mining, construction, and more.

Design and architecture professionals Architects, designers, draftspersons, and design engineers across a range of industries.

Planning, surveying and specialist consultants Town planners, surveyors, environmental and sustainability consultants, and other specialist advisory roles.

How we help

We align your insurance with the realities of your contracts and projects, including:

• Contractual liability and policy wording alignment

• Novations, joint ventures, and collateral warranties

• Certification risks and compliance exposures

• Contractor and subcontractor risk flows

We understand how liability moves through contracts, projects, and relationships. You focus on delivering the work. We make sure the risks behind it are properly covered.

Insurance and risk advice for financial professionals for the advice they provide.

We support financial and investment professionals navigating complex and high-responsibility environments; from managing client assets to advising on critical decisions. With the right insurance and risk strategies in place, you can operate with confidence, protect your business and team, and maintain the trust your clients rely on.

Who we work with

We work with a range of financial professionals, including:

• Fund Managers

• Accountants

• Financial Planners

• Investment Advisers

• Wealth Managers

• Stockbrokers

• Financial Institutions

• Company Secretarial Services

• Corporate Advisors

• Tax Agents

How we help

We provide practical advice and protection across key areas, including:

• Professional indemnity and advice-related exposures

• Management liability and governance risks

• Cyber and data protection risks

• Regulatory and compliance considerations (including AFSL-related exposures)

• Contractual obligations and third-party liabilities

• Ongoing policy reviews and risk guidance as your business evolves

We understand the level of responsibility that comes with financial advice. You focus on your clients and decisions. We make sure the protection behind it is set up properly.

Insurance and risk advice for builders and construction professionals

Construction comes with a wide range of risks from public and workplace liability through to contractual obligations, project delays, design exposures, property damage, and regulatory requirements. We help you understand how these risks apply to your business and ensure your insurance is structured to respond properly.

At Porterisk, we work with builders, contractors, subcontractors, and construction consultants to provide tailored advice and protection, so you can focus on delivering your projects with confidence.

Who we work with

• Builders

• Contractors and subcontractors

• Project managers

• Site supervisors

• Construction consultants

Across residential, commercial, and civil projects.

How we help

We provide practical advice and protection across key areas, including:

• Contract works and project-specific risks

• Public and products liability exposures

• Professional indemnity and design-related risks

• Plant, equipment, and machinery cover

• Contractual obligations, including novations and joint ventures

• Subcontractor and contractor risk exposures

• Ongoing policy reviews as your projects and business evolve

We understand how risk flows through construction projects and contracts. You focus on building. We make sure your business, your people, and your obligations are properly protected.

Insurance and risk advice for transport and logistics businesses

Keeping vehicles, cargo, and teams moving comes with constant pressure, tight schedules, long distances, and exposure on the road every day. We work with transport and logistics businesses to help you understand these risks and ensure your insurance is structured to support your operations when it matters most.

From road trains and linehaul operators through to delivery fleets and specialised transport, we provide advice and protection across vehicles, cargo, and your people, so your business can keep moving with confidence.

Who we work with

• Road train and linehaul operators

• Freight and logistics companies

• Delivery and courier fleets

• Owner-drivers and subcontractors

• Specialised and heavy haulage operators

How we help

We provide practical advice and protection across key areas, including:

• Motor fleet and heavy vehicle insurance

• Marine cargo and goods in transit cover

• Public liability and third-party exposures

• Downtime and business interruption risks

• Driver and workforce-related risks

• Contractual obligations and supply chain liabilities

• Ongoing policy reviews as your operations evolve

We understand the realities of transport and logistics. You focus on keeping things moving. We’ll make sure the protection behind it is set up properly.

Insurance and risk advice for property and real estate businesses

We work with property and real estate businesses to help manage risk across development, ownership, and day-to-day operations. From construction exposures through to ongoing management and compliance, we provide clear advice and tailored insurance solutions that support your business as it evolves.

Property-related risks can be complex; involving contractual obligations, tenant and public liability, asset protection, and changing regulatory requirements. We take the time to understand how your projects and portfolios are structured, so your insurance aligns with the realities of your business and responds properly when needed.

Who we work with

• Real estate agents

• Property developers

• Buyers agents

• Investment and asset managers

• Architects

• Hotels and accommodation providers

• Owners of heritage-listed buildings

How we help

We provide practical advice and protection across key areas, including:

• Property and asset protection (commercial, residential, and mixed-use)

• Construction and development risks, including contract works

• Public liability and tenant-related exposures

• Loss of rent and business interruption

• Strata and management-related risks

• Contractual obligations and leasing exposures

• Ongoing policy reviews as your portfolio and projects evolve

We understand how risk flows through property development and management. You focus on delivering and managing your assets. We make sure the protection behind them is set up properly.

Insurance and risk advice for waste and recycling businesses

Waste and recycling operations come with a unique set of risks from environmental exposures and fire hazards through to heavy machinery, transport, and regulatory compliance. We work with businesses in this sector to help you understand where your risks sit and ensure your insurance is structured to support your operations when it matters most.

Whether you’re managing collection, processing, sorting, or disposal, your business is exposed to a range of operational and contractual risks. We take the time to understand how your sites, equipment, and logistics work together, so your cover reflects the realities of your business and responds properly if something goes wrong.

Who we work with

We support a range of waste and recycling operators, including:

• Waste collection and transport operators

• Recycling facilities and processing plants

• Skip bin and resource recovery businesses

• Hazardous and specialised waste operators

• Landfill and transfer station operators

How we help

We provide advice and protection across key areas, including:

• Environmental liability and pollution risks

• Fire and property damage exposures

• Plant, equipment, and machinery cover

• Transport and fleet risks

• Public and workplace liability

• Contractual and regulatory obligations

We understand the operational and regulatory pressures in this industry. You focus on keeping your operations running. We’ll make sure the protection behind it is set up properly.

Insurance and risk advice for mining businesses in Western Australia

Mining in Western Australia comes with unique challenges; remote operations, FIFO workforces, heavy mobile plant, contractor-heavy environments, and strict regulatory requirements. We work with mining and resources businesses across WA to help you understand where your risks sit and ensure your insurance is structured to support your operations when it matters most.

From exploration and drilling through to production, contracting, and support services, we take the time to understand how your projects operate, including site requirements, principal contractor agreements, and the realities of working in remote and high-risk environments. The goal is to make sure your cover aligns with your contracts, your operations, and the expectations placed on you.

Who we work with

We support a range of WA-based mining and resources businesses, including:

• Mining contractors and subcontractors

• Exploration and drilling companies

• Mobile plant and equipment operators

• Transport and logistics providers to and from site

• Engineering and technical service providers

• Labour hire and site support businesses

How we help

We provide practical advice and protection across key areas, including:

• Plant and equipment cover, including mobile machinery on and off site

• Public and products liability in high-risk and remote environments

• Contract works and project-specific risks

• Contractor and subcontractor liability exposures

• Downtime and business interruption risks

• Contractual obligations under principal contractor agreements

• Workforce and labour hire exposures

• Ongoing policy reviews as projects, sites, and contracts change

We understand how risk flows through mining operations in WA. From site access and contracts through to equipment, people, and logistics. You focus on delivering your work safely and efficiently. We’ll make sure the protection behind it is set up properly.