About Contractors Public Liability Insurance


£10 million cover

Up to £10 million public liability insurance for building and allied trades


Specialist cover available

Higher public liability limits available for construction contracts needing over £10 million cover


Talk to the experts

Speak to one of our dedicated contractors team handlers to discuss any queries you may have

Direct Debit

Pay for your contractors public liability insurance by direct debit

You can choose to split your payments into 10 monthly instalments

Features of Contractors Public Liability Insurance

Standard cover

Contractors public liability insurance

A standard feature of contractors public liability insurance is the ability to cover public and employers liability in a single policy if required.

Optional extras

Optional property insurance for your tools, plant and equipment can be included for both own and hired in plant. A full contractors all-risk insurance can be arranged to cover loss or damage to the contract works as well as own or hired in plant and tools.

Contractors public liability insurance available up to £10 million

We provide contractors public liability cover for £1 million upwards. We can also offer higher limits than £10m if you require it for larger specialist contracts.

Contractors cover for high-risk work and hazardous locations

Contractors liability cover is available for high-risk trades - scaffolding, hot roofing and underpinning. We can also offer cover for contract work in hazardous or high-risk locations, if required.

Contractors Public Liability Insurance FAQs


Why do I need contractor public liability insurance?


Building contractors can risk legal action in respect of their liability to the public for accidental personal injury or property damage arising from their activities. You face legal costs when defending the most spurious claim, which may cause financial hardship. Where larger accidents occur, there is potential for substantial compensation awards being made against you.

This underlines the importance of being insured for public liability. As this will cover your legal defence costs and pay compensation awards in the event you found to be at fault for third party accidental bodily injuries and property damage claims arising from your work.


Do I need employers liability insurance?


If you engage additional labour, staff and others on contract work, you will need employers liability insurance.


Are legal expenses covered in your contractors public liability insurance?


Yes, legal defence costs for liability claims are included as standard in our contractors cover. However, if you want a wider commercial legal expenses insurance for employment tribunal and disputes, then we can arrange this as an optional extra. The limit starts at £100,000 with the option to increase.


Can I pay for my contactors public liability insurance in instalments?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated direct debit page to find out more.


Where can I find more information about monthly direct debit?


If you would like to know more about our monthly payment option, please visit our dedicated direct debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim