Ben is the director of Built-in Insurance Brokers, a firm exclusively protecting the construction industry from catastrophic financial loss. He exposes the fatal gaps in generic retail liability policies, explaining how a simple occupation mismatch or the standard "building defects exclusion" can leave you completely uninsured against million-dollar leaky home lawsuits.

Owen and Ben also break down the operational risk of underinsuring your tools against floods. They detail the exact administrative process required to force homeowners to secure their own contract works cover before your crew steps on site for a renovation.

If you want to access the free Top 10 Risk Review checklist or schedule a zero-obligation insurance audit to see what you are actually covered for, visit their website at https://builtininsurance.co.nz/

🕒 Timestamped Key Points
00:00 The 900 thousand dollar leaky home lawsuit
05:00 Why online retail insurance policies fail on site
08:00 The danger of underinsuring your tools against floods
10:00 Why homeowners must buy contract works insurance
13:00 Securing proof of cover before starting renovations
15:00 The reality of the building defects exclusion
20:00 Why roofers have zero cover for water ingress
26:00 Matching your exact occupation to your liability policy
28:00 Auditing your site risk with a specialist broker

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Epi 201: The Hidden Policy Clause DESTROYING Top Builders