Subcontractor Liability & Joint-Names Contract Insurance

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Insurance solutions for subcontractor liability, contractual risk and joint-names insurance requirements on civil engineering projects

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We compare quotes from leading civil engineering insurers

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

SUBCONTRACTOR LIABILITY & JOINT-NAMES INSURANCE

Why Subcontractor Liability & Joint-Names Cover Matters

Civil engineering projects often involve multiple subcontractors operating under complex contracts. Liability gaps, uninsured losses and contractual disputes can arise where insurance arrangements are not properly aligned. Joint-names and subcontractor liability insurance help ensure all parties are protected and contract requirements are met.

What Subcontractor Liability & Joint-Names Insurance Covers

Protection aligned to construction contracts and site responsibilities.


  • Subcontractor public liability exposure
  • Joint-names contract works insurance arrangements
  • Shared responsibility under principal contracts
  • Damage caused by one contractor impacting others
  • Alignment with JCT and NEC contract requirements
  • Reduction of cross-liability disputes

Who Needs This Type of Cover?


  • Principal and main contractors
  • Civil engineering subcontractors
  • Projects with multiple trades on one site
  • Contracts requiring joint-names insurance
  • Infrastructure and utilities projects
  • SMEs operating under complex contract structures

Why Choose Insure24


  • Experience with joint-names and contract-driven insurance
  • Advice aligned to JCT and NEC wording
  • Support for principal and subcontractor obligations
  • Fast documentation for tenders and site access

FREQUENTLY ASKED QUESTIONS

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What is subcontractor liability insurance?

Subcontractor liability insurance covers claims arising from the activities of subcontractors working under a main or principal contractor.

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What does joint-names insurance mean?

Joint-names insurance lists multiple parties on the same policy, allowing claims to be settled without disputes between insured parties.

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Are joint-names policies required under JCT or NEC contracts?

Many JCT and NEC contracts include provisions for joint-names insurance, particularly for contract works and property damage.

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Do subcontractors still need their own insurance?

Yes. Subcontractors are usually required to hold their own public liability and employers’ liability insurance in addition to any joint-names arrangements.

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Can SMEs arrange joint-names contract insurance?

Yes. Joint-names and subcontractor liability insurance can be arranged for SMEs depending on contract terms and project risk.

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