How to Choose Cover Levels & Indemnity Limits

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A practical UK guide for civil engineering firms on setting the right insurance limits

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We help civil engineering firms set appropriate insurance limits

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

KEY FACTORS THAT INFLUENCE COVER LEVELS

  • PROJECT VALUE

  • PUBLIC INTERFACE

  • CONTRACT REQUIREMENTS

  • DESIGN RESPONSIBILITY

Why Choosing the Right Limits Matters

Under-insuring can expose your business to catastrophic losses, while over-insuring can result in unnecessary premium spend. The correct indemnity limits should reflect your actual risk exposure and contractual obligations.

Public & Employers’ Liability – Choosing the Right Limits

Liability limits are often driven by client, local authority or framework requirements.


  • Public Liability limits often range from £2m to £10m+
  • Higher limits required for highways, rail and utilities
  • Employers’ Liability is legally required at £5m minimum
  • Umbrella excess layers may be required for major projects

Contract Works & Project Value Considerations


  • Sum insured should reflect the maximum value at risk
  • Include materials on site and in transit where applicable
  • Phased projects may require fluctuating limits
  • Joint venture arrangements require careful structuring

Professional Indemnity – Setting Appropriate Indemnity


  • Limits linked to design responsibility and contract value
  • Claims may arise years after project completion
  • Aggregation wording affects total exposure
  • Retroactive dates and run-off cover are critical

Why Review Cover Levels with Insure24?


  • Assessment against real project and contract exposure
  • Alignment across liability, CAR and PI policies
  • Support with lender and framework requirements
  • Avoidance of uninsured gaps and duplication
  • Clear advice from civil engineering specialists

FREQUENTLY ASKED QUESTIONS

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What public liability limit do civil engineers usually need?

Limits vary by project, but £5m–£10m is common for infrastructure, highways and public-sector works.

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Can cover limits be increased for specific projects?

Yes. Project-specific increases or excess layers can be arranged to meet contract or funder requirements.

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