What insurance should body corporate contractors hold?

Before engaging any contractor to work on common property, the body corporate should verify that the contractor holds current and adequate insurance: **Public liability insurance** — minimum $10–20 million is standard for commercial contractors. This covers third-party injury or property damage claims arising from their work. **Workers compensation insurance** — required if the contractor has employees. Covers the contractor's workers if injured on the job. **Professional indemnity insurance** — relevant for consultants, engineers, and building managers who provide advice. **QBCC home warranty insurance** — applies to certain building work over prescribed thresholds, providing a warranty to the body corporate if the contractor fails to complete or rectify defective work. Ask for a certificate of currency (not just a policy number) and check the expiry date. Keep copies in the body corporate's records. This article is general information only and not legal advice.