Subcontractor & Groundworks Insurance

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Specialist insurance for small civil engineering subcontractors, groundworks firms and site-based contractors

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We compare quotes from leading construction insurers

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

INSURANCE FOR SUBCONTRACT CIVIL ENGINEERS

Why Groundworks & Subcontractors Need Specialist Insurance

Groundworks and subcontract civil engineering works involve excavation, structural preparation, heavy plant, underground services and high-risk site activity. Even minor errors can result in serious injury, service strikes, project delays and contractual disputes. Insure24 provides insurance designed specifically for subcontractors working under principal contractors.

Typical Cover for Subcontract Civil Engineers

Protection aligned with principal contractor requirements and site conditions.


  • Public Liability – injury or property damage caused by your works
  • Employers’ Liability – legal requirement if you employ labour
  • Contract Works – damage to work in progress
  • Tools & Plant – owned and hired-in machinery
  • Plant Hire Liability – damage to hired equipment
  • Personal Accident – cover for sole traders

Common Risks for Groundworks & Civil Subcontractors


  • Underground service strikes (gas, electric, water)
  • Collapse or subsidence caused by excavation
  • Damage to adjacent structures or highways
  • Injury to third parties or site operatives
  • Plant rollover or machinery accidents
  • Delays and contractual penalties
  • Working under tight principal contractor controls

Why Choose Insure24


  • Construction & civil engineering specialists
  • Policies aligned with principal contractor requirements
  • Fast turnaround certificates for site access
  • Competitive rates for small subcontractors
  • UK-based claims and advisory support

FREQUENTLY ASKED QUESTIONS

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Do groundworks subcontractors need insurance?

Yes. Most principal contractors require subcontractors to carry public liability, employers’ liability and often plant insurance before allowing site access.

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What level of public liability is required?

Most civil engineering contracts require £5 million public liability, with higher limits for infrastructure or highway works.

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