Civil Engineering Insurance – Groundworks, Utilities & Roadworks

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Specialist insurance for civil engineering contractors carrying out groundworks, paving, roadworks, utilities and earthworks

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We compare quotes from leading civil engineering insurers

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

CIVIL ENGINEERING & GROUNDWORKS INSURANCE

Why Civil Engineering Contractors Need Specialist Insurance

Civil engineering works involve high-risk activities including excavation, ground disturbance, road closures and work near underground services. Specialist insurance is essential to protect against third-party injury, property damage, contract works loss and environmental exposure.

What Civil Engineering Insurance Covers

Core protection for groundworks, utilities and infrastructure projects.


  • Public liability for injury and third-party property damage
  • Damage to underground services and utilities
  • Contractors All Risk / works in progress cover
  • Roadworks, highways and public access risks
  • Plant, machinery and hired-in equipment
  • Environmental and pollution liability (where required)

Who This Cover Is Designed For


  • Groundworks and excavation contractors
  • Roadworks, paving and surfacing firms
  • Utilities and drainage contractors
  • Civil engineering and infrastructure companies
  • Contractors working on highways or public land
  • SMEs and specialist civil engineering firms

Why Choose Insure24


  • Specialists in civil engineering and infrastructure risks
  • Cover aligned with highways authority and utility requirements
  • Fast documentation for tenders and site access
  • Support for complex and high-risk civil projects

FREQUENTLY ASKED QUESTIONS

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What insurance do groundworks contractors need?

Groundworks contractors typically require public liability, employers’ liability, Contractors All Risk insurance and cover for underground services and plant.

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Is insurance required for roadworks and highways projects?

Yes. Roadworks and highways projects often require higher liability limits and compliance with local authority and highways authority insurance requirements.

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Does civil engineering insurance cover underground services?

Many policies include cover for accidental damage to underground services, but limits and conditions apply and should be reviewed carefully.

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Can SMEs obtain civil engineering insurance?

Yes. Insurance can be tailored for small and medium-sized civil engineering contractors, depending on scope of works and risk profile.

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How quickly can cover be arranged?

Cover can often be arranged quickly once underwriting details are confirmed, although complex or high-risk civil works may require additional review.

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