EBA-aligned program design
Cover engineered to meet your Agreement obligations to the letter.
Construction & Trades
Workforce protection built for the worksite
High-risk roles, EBA-covered crews, and headcount that moves with the project pipeline. Construction employers carry exposures that off-the-shelf cover prices badly — or misses entirely.
Request a Workforce Protection Review™- EBA & Award dense
- High-risk occupations
- Mobile workforces
We understand the realities of construction
From tier-one builders to specialist trades, your crews change between projects, subcontractors blur the lines of who is covered, and Enterprise Agreements often lock in specific death and disability benefits you are required to provide — exactly. Generic group cover rarely keeps up.
The challenges
What construction & trades employers are up against
The exposures that quietly erode margins and leave crews — and the business — at risk.
- High-risk occupation loadingsTrades attract premium loadings and exclusions that generic policies handle poorly — leaving cover thin where risk is highest.
- EBA & Award obligationsAgreements frequently mandate specific benefit levels. Miss the definition by a word and the shortfall is yours.
- A workforce that flexesHeadcount that rises and falls with the pipeline leaves cover lagging — over-insured one month, exposed the next.
- Subcontractor grey areasOn mixed-labour sites, who is covered and when is rarely clear-cut until a claim tests it.
The cost of getting it wrong
When a worker is seriously injured, an underinsured claim doesn’t stop at the employee — it lands on your balance sheet, your project timeline, and your duty of care.
How we help
How we help construction employers
Occupation-rated structures
Programs built for trade risk, not retrofitted from a white-collar template.
Headcount that scales
Enrolment that tracks the pipeline, so cover never lags the crew.
Claims advocacy on site
A named adviser who manages claims so your site teams don’t have to.
EBA-readyBuilt around your Enterprise Agreement
Occupation-ratedCover priced for genuine trade risk
End-to-endDesign, implementation, and claims advocacy
Ready when you are
A twenty-minute call is usually enough to know whether we can help.
No presentation, no prepared pitch. Tell us what’s on your plate and we’ll tell you whether Aspire is the right fit or point you to someone better suited.