Contractor liability

Defective Workmanship Insurance

Faulty workmanship claims can expose the gap between damage caused by work, the cost of fixing the work itself and contractual rectification obligations. Contractors should check the wording before assuming a public liability policy will respond.

Review workmanship liability cover

Who It Is For

  • Builders, trades and specialist contractors
  • Firms with subcontractors, contract works or site obligations
  • Businesses asked for evidence of workmanship or rectification cover

Cover To Review

  • Public liability and products liability exclusions
  • Contract works, own plant, hired-in plant and tools
  • Professional indemnity for design, advice or specification
  • Collateral warranties, contracts and main-contractor requirements

Underwriting Detail

  • Trade activities, project values and work types
  • Subcontractor controls, supervision and sign-off
  • Contract terms, guarantees and rectification obligations
  • Claims history, quality assurance and dispute process

Related Insurance Pages

Defective Workmanship Insurance FAQs

Does public liability cover faulty workmanship?It may cover resulting third-party damage, but the cost of redoing defective work itself is often restricted or excluded.

What is rectification cost?Rectification cost is the cost of correcting defective work, which may need separate contract or specialist wording review.

Why do contracts matter?Contracts can create obligations that go beyond standard liability policy wording, so they should be checked before work starts.