- Project plans
- Project activities
- Legislation and standards
- Industry context
- Specialist wikis
Last edited 19 Jan 2022
Public liability insurance
Construction contracts will typically include a clause requiring the contractor to carry insurance to cover expense, loss, liability, claim or proceedings for personal injury or death arising from the carrying out of the construction works, or loss or damage to property other than the works.
Personal injuries of employees will be covered by the contractor’s employers’ liability insurance, which is compulsory for all employers under the Employers’ Liability (Compulsory Insurance) Act. All firms who employ staff are legally required to hold Employers Liability Insurance.
Personal injury or death, or loss or damage to property of third parties is covered by public liability insurance. Common law claims for personal injury or death, or loss or damage to property can be very significant and are unlimited. The cover provided does not limit the contractor’s liability.
Public liability insurance might cover against claims by:
- Members of the public visiting the business of the insured.
- People taking part in events or activities organised by the insured.
- People watching events or activities organised by the insured.
- Independent sub-contractors.
That is, anyone that the insured interacts with as part of their business, but not employees, temporary staff, students or people on work placements (who should be covered by employers’ liability insurance).
- Damage to property and possessions.
- Personal injury.
- Legal costs, including the claimants' legal costs incurred by the insured if they are found to be at fault.
- Consequential losses such as loss of earnings (including future loss of earnings).
- 3D animation for insurance risk analysis.
- Building Users' Insurance Against Latent Defects.
- Contractors' all-risk insurance.
- Contract works insurance.
- Directors and officers insurance.
- Electrotechnical Assessment Specification guidance for installers.
- Employers’ liability insurance.
- Flood insurance.
- Insurance for building design and construction.
- Integrated project insurance.
- JCT Clause 6.5.1 Insurance.
- Latent defects insurance.
- Legal indemnities.
- Making sure your builder has appropriate insurance.
- Professional Indemnity Insurance.
- Residual value insurance.
Featured articles and news
As energy prices jump up in cost.
With people in the UK from Ukraine.
Industry leader Steve Murray takes on role.
An abundant and versatile building material.
600,000 heat pump installations targeted per year by 2028.
Helping prevent those unwanted outcomes.
How has transport changed due to Covid-19 ?
Will you need it ? after June 15 and the new Part O ?
Create an account and write the first of many articles.
CIAT commentary after the first meeting.
Who is to blame?
Research recommends focussing on portfolio success rather than project success.
The revised standard for mapping underground utilities.
Cross-industry steering group seeks support in delivery.