Civil Engineer Insurance Checklist

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

A practical insurance checklist for civil engineers, groundworkers, subcontractors and SME contractors working in the UK

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Insurance support for civil engineering SMEs and subcontractors

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

CIVIL ENGINEERING INSURANCE CHECKLIST

Why Use an Insurance Checklist?

Civil engineering contractors face varied risks depending on the type of work, contract structure, plant usage and site conditions. This checklist helps groundworkers, subcontractors and SME contractors identify the insurance policies commonly required by clients, principal contractors and funders.

Core Insurance Policies (Most Projects)

These covers are commonly mandatory or contractually required.


  • Employers’ Liability (legal requirement if you employ staff)
  • Public Liability Insurance
  • Contractors’ All Risks / Contract Works
  • Plant, Tools & Hired-In Equipment Insurance
  • Professional Indemnity (where design or advice is given)

Specialist Covers (Risk-Dependent)

Often required for higher-risk or specialist civil engineering works.


  • Deep Works / Piling / Underpinning Insurance
  • Environmental & Pollution Liability
  • Utilities Strikes & Underground Services Cover
  • Structural Works & Adjacent Property Risk
  • Professional Indemnity Run-Off Cover

Who Is This Checklist For?


  • Groundworks and excavation contractors
  • Civil engineering subcontractors
  • Small and medium-sized engineering firms
  • Utilities, drainage and infrastructure contractors
  • Design & build subcontractors
  • Firms tendering for principal contractor work

FREQUENTLY ASKED QUESTIONS

+-

Is this checklist suitable for subcontractors?

Yes. Subcontractors are often required to carry their own liability, plant and professional indemnity insurance, even when working under a principal contractor.

+-

Do small civil engineering firms need all of these covers?

Not always. Required cover depends on work type, contracts and risk exposure. This checklist helps identify what may be required, but professional advice should always be taken.

Related Blogs