Tomorrow I’ll ring my insurers and get all this sorted out, but just to clarify one theme appearing in this thread. I’m a certified owner builder working under an owner builder permit, so I’m responsible for everything that goes on in my building site to exactly the same degree as would a professional builder or building company. There are no shortcuts or soft options involved in owner building when your o.b. permit is the ‘builders licence’ on the construction certificate.
Ps. I’m still keen to hear views on the other part of my question - that is, what is the going rate for ‘general hand’ type workers on construction sites?
Cheers, and thanks for the responses so far - there are good ideas I never thought about.
Arron