Insurance policies for construction

Construction projects valued $10 million and over

For all NSW Government capital works projects with an estimated total cost of $10 million or more, all agencies, other than state owned corporations, are required to undertake Principal Arranged Insurance (PAI) through icare. State owned corporations must demonstrate that they can acquire PAI at a price more competitive than the price offered by icare.

Construction projects valued under $10 million

Agencies, including state owned corporations, are able to decide whether or not to insure for projects under $10 million. However if they decide to insure projects under $10 million, PAI must be organised through icare.

Please see Treasury Circular 16/11 for more information.

Procuring policies through icare

icare’s Construction Risks Insurance Fund (CRIF) portal is available for agencies to take out and manage their construction policies. (See User Guide in portal)

Access for existing users

Go to and login using your unique credentials.

If your agency has current or historical policies with the CRIF, these have been migrated across to the new portal, and you will be able to view and download the documentation for these online.

Access for new users

Go to the portal request access page at

Select the ‘Other’ access level and scroll down to download the icare Insurance for NSW Portal access form. Complete the form (make sure to select the 'CRIF access' option) and email the completed form to

Draft insurance policies

The following draft policies are available on the icare website (link is external)

  • General, Products and Environmental Liability Policy
  • Material Damage Insurance Policy Project Insurance

icare contact details