Contractor Public Liability Insurance UK

Contractor public liability insurance covers claims from third parties for injury or property damage caused by your business activities.

Many contractors choose GBP 5m public liability cover because it is a common contract requirement.

Yes. Public liability insurance usually includes legal defence costs associated with covered claims.

Public liability insurance is one of the most important covers for contractors, protecting against claims for injury or property damage.

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What Does It Cover?

For a wider package including tools, plant and contract works, visit our contractor insurance page.

If you work as a subbie, read our guide to subcontractor insurance.

If you work independently, our self-employed contractor insurance page explains what additional covers may be worth considering.

To cover theft or accidental damage to equipment, see contractor tools insurance.

It covers claims from third parties for injury or property damage caused by your business activities.

Many do because GBP 5m is a common contract requirement.

Typical limits are GBP 1m, GBP 2m, GBP 5m or GBP 10m depending on contracts and sites.

Yes. Legal defence costs are usually included with covered claims.

Yes. Self-employed contractors and sole traders can arrange cover tailored to their work.

These guides help connect liability limits, site requirements and trade setup so the public liability section fits the real contract exposure.