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We compare quotes from leading UK construction insurers
CORE INSURANCE FOR CONSTRUCTION COMPANIES
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PUBLIC LIABILITY
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EMPLOYERS’ LIABILITY
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CONTRACT WORKS
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TOOLS & PLANT
Understand the Insurance Required to Operate Legally and Safely
Construction involves high-risk environments, subcontractors, heavy machinery and multiple project stakeholders. This guide explains the key insurance policies every UK construction company should consider.
Essential Insurance Covers for Construction Businesses
Covers needed by almost every construction company operating in the UK.
- Public Liability Insurance
- Employers’ Liability (legal requirement)
- Contract Works / Contractors’ All Risks
- Hired-In Plant & Machinery
- Owned Plant & Tools Cover
- Professional Indemnity (if providing design)
- Commercial Vehicle & Fleet Insurance
- Contractor Combined Insurance
- Site Materials & Temporary Works Cover
- Management Liability / Directors’ & Officers’
Which Construction Companies Need Which Cover?
Different roles come with different responsibilities - and different insurance needs.
- Main Contractors & Principal Contractors
- Subcontractors (all trades)
- Design & Build Firms
- Groundworkers & Civil Engineers
- Demolition & Excavation Contractors
- Roofers, Scaffolders & High-Risk Trades
- Plant Operators & Machinery Hire Firms
- Fit-Out, Joinery & Renovation Teams
- Property Developers & Investors
- Surveyors, Engineers & Designers
Why Construction Companies Choose Insure24
- Construction insurance specialists
- Fast quotes for contractors of all sizes
- Flexible cover for complex projects
- Competitive pricing with top UK insurers
- Cover available for high-risk trades
- Options for combined contractor policies
- Support with CAR, PI & liability placement
- Industry-specific risk guidance
- Dedicated claims support
- Trusted by UK construction professionals
FREQUENTLY ASKED QUESTIONS
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What insurance is legally required for construction companies?
Employers’ Liability is a legal requirement for most businesses employing staff.
Motor/Fleet insurance is also legally required for company vehicles.
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What is the most important insurance for contractors?
The most essential covers include Public Liability, Employersʼ Liability,
Contract Works, and Plant & Tools Insurance - depending on your work type.
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Do subcontractors need their own insurance?
Yes. Labour-only subcontractors may be covered under your Employersʼ Liability,
but bona-fide subcontractors must carry their own liability insurance.
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Is Professional Indemnity required for construction companies?
PI is required if you provide design, drawings, specifications, or advice.
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Can insurance be combined into one policy?
Yes - many insurers offer Contractor Combined Insurance, which bundles multiple
covers into one convenient policy.
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What insurance is legally required for construction companies?
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What is the most important insurance for contractors?
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Do subcontractors need their own insurance?
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Is Professional Indemnity required for construction companies?
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Can insurance be combined into one policy?
Related Covers
What-cover-needed pages should branch users directly into the main construction policy sections and decision pages. These links keep top-of-funnel cover-planning intent focused on related construction insurance pages.