Construction Insurance Comparison Guide

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Contractors’ All Risk vs Public Liability vs Professional Indemnity vs Plant Insurance – understand what each policy covers

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We compare quotes from leading construction & civil engineering insurers

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

CONSTRUCTION INSURANCE – WHAT COVERS WHAT?

Why Understanding the Differences Matters

Construction and civil engineering projects involve multiple risk types. No single policy covers everything. Understanding the difference between Contractors’ All Risk, Public Liability, Professional Indemnity and Plant Insurance is essential to avoid uninsured losses and contractual breaches.

What Each Policy Covers

A clear breakdown of common construction insurance policies.


  • Contractors’ All Risk: Damage to works in progress, materials and temporary works
  • Public Liability: Injury or property damage to third parties
  • Professional Indemnity: Design errors, advice and specification failures
  • Plant Insurance: Loss or damage to owned or hired plant and machinery
  • Each policy responds to different claim scenarios
  • Combined policies may be required for full protection

Which Policies Do Civil Engineering Contractors Typically Need?


  • Contractors’ All Risk for works in progress
  • Public liability for third-party injury or damage
  • Employers’ liability (legal requirement)
  • Professional indemnity where design responsibility exists
  • Plant insurance for owned or hired machinery
  • Policies aligned to contract and tender requirements

Why Choose Insure24


  • Specialists in construction and civil engineering insurance
  • Clear advice on policy overlaps and gaps
  • Cover aligned with JCT and NEC contracts
  • Support for tenders, audits and compliance checks

FREQUENTLY ASKED QUESTIONS

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Does public liability cover damage to the works?

No. Public liability covers third-party injury or property damage, not damage to the works themselves. Contractors’ All Risk covers works in progress.

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When is professional indemnity insurance required?

Professional indemnity is required when contractors take responsibility for design, specification or professional advice.

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Is plant insurance included in Contractors’ All Risk?

Not always. Plant insurance is often arranged separately, particularly for owned or hired-in machinery.

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Do I need all these policies?

Most civil engineering contractors require a combination of policies depending on their activities, contracts and risk exposure.

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Can Insure24 help identify gaps in cover?

Yes. Insure24 specialises in identifying overlaps, gaps and exclusions in construction insurance programmes.

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