Employers’ Liability Insurance for Civil Engineering Contractors

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Legally required insurance protecting civil engineering businesses against employee injury and illness claims

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We compare quotes from leading civil engineering insurers

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

EMPLOYERS’ LIABILITY INSURANCE FOR CIVIL ENGINEERING

Why Employers’ Liability Insurance Is Mandatory

Employers’ liability insurance is a legal requirement for most UK businesses that employ staff. Civil engineering work carries elevated risk due to heavy machinery, excavation, traffic management and hazardous environments, making adequate employers’ liability cover essential.

What Employers’ Liability Insurance Covers

Protection against employee injury, illness and legal claims.


  • Employee injury or fatality claims
  • Work-related illness and disease claims
  • Legal defence costs and compensation awards
  • Accidents involving plant, machinery or vehicles
  • Claims arising from subcontracted labour (where applicable)
  • Cover meeting UK statutory minimum limits

Who Needs Employers’ Liability Insurance?


  • Civil engineering contractors with employees
  • Groundworks and infrastructure firms
  • Businesses using labour-only subcontractors
  • Companies operating plant and heavy machinery
  • Contractors working on highways or utilities projects
  • SMEs and growing civil engineering businesses

Why Choose Insure24


  • Specialists in civil engineering and high-risk sectors
  • Cover meeting statutory and contract requirements
  • Fast certificates for tenders and site audits
  • Advice on labour-only and subcontractor exposure

FREQUENTLY ASKED QUESTIONS

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Is employers’ liability insurance legally required?

Yes. Employers’ liability insurance is a legal requirement for most UK businesses that employ staff, with minimum cover levels set by law.

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What is the minimum legal cover required?

The statutory minimum employers’ liability cover in the UK is £5 million, although most policies provide £10 million as standard.

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Does it cover subcontractors?

Employers’ liability insurance may cover labour-only subcontractors, but bona fide subcontractors usually require their own insurance.

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What happens if I don’t have employers’ liability insurance?

Businesses can be fined heavily for failing to carry employers’ liability insurance and may be unable to operate on many construction sites.

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How quickly can employers’ liability cover be arranged?

In many cases, cover can be arranged immediately once underwriting information is provided, allowing work to commence without delay.

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