What Insurance Does a Civil Engineering Company Need?

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A UK guide to mandatory and recommended insurance for civil engineering contractors

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We help civil engineering companies meet UK insurance requirements

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

CORE INSURANCE POLICIES FOR CIVIL ENGINEERS

Why Insurance Is Critical for Civil Engineering Companies

Civil engineering projects involve high-risk activities, public interfaces, heavy plant and strict contractual requirements. The right insurance protects your business, satisfies clients and helps projects proceed without delay.

Mandatory Insurance for Civil Engineering Companies

Policies required by law or almost always demanded by clients.


  • Employers’ Liability – legally required if you employ staff
  • Public Liability – required by most clients and authorities
  • Motor Insurance – for company vehicles and plant on roads

Project-Specific & Specialist Covers


  • Contract Works / Contractors’ All Risk
  • Professional Indemnity (design responsibility)
  • Hired-in & Owned Plant Insurance
  • Delay in Start-Up / Business Interruption
  • Environmental & Pollution Liability
  • Defects & Latent Defects Insurance

Why Work with Insure24?


  • Civil engineering & infrastructure insurance specialists
  • Understanding of UK contract and framework requirements
  • Access to specialist UK insurers
  • Clear guidance on limits, exclusions and overlaps
  • Support throughout the policy lifecycle

FREQUENTLY ASKED QUESTIONS

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Is Employers’ Liability insurance mandatory?

Yes. Employers’ Liability insurance is a legal requirement in the UK if you employ staff, including labour-only subcontractors.

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Do all civil engineers need Professional Indemnity insurance?

Professional Indemnity is required if your business carries any design, specification or advisory responsibility.

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