Public and Products Liability

In construction, accidents can happen – whether you’re working on-site, delivering materials or handing over a finished project. Public and Products Liability Insurance helps protect your construction business if your work causes injury or property damage to a third party. We only recommend buying a minimum of £5,000,000 PL cover, due to the increasing claims costs we have witnessed.

What Is Public Liability Insurance?

Public Liability Insurance covers your business if a member of the public – such as a site visitor, client or passerby – is injured, or their property is damaged as a result of your work.

What is Products Liability Insurance?

Products Liability Insurance covers you if a product or material you’ve supplied or installed (like piping, electrical fittings, or structural components) causes injury or property damage after the job is completed.

What’s Covered?

  • Injury to third parties (e.g. clients, the public, subcontractors)

  • Damage to third-party property

  • Legal defence costs

  • Compensation if you’re found liable

Why Is Public and Products Liability Important in Construction?

Construction sites are high-risk environments. Whether you’re a sole trader, subcontractor or running a large building firm, Public and Products Liability Insurance gives you protection against unexpected claims that could seriously impact your business financially. 

What a Claim Might Look Like

1. Injury to a Member of the Public

Scenario:
A pedestrian walking past your construction site trips over unsecured cabling left on the pavement and breaks their arm.
Outcome:
Public Liability Insurance covers medical expenses, legal defence costs and the compensation payout awarded to the injured party.

2. Damage to Third-Party Property

Scenario:
While working on a building site, a subcontractor accidentally drops a tool from scaffolding, smashing the windscreen of a parked car below.
Outcome:
The policy covers the cost of replacing the damaged windscreen and any associated legal claims.

We Would Love to Hear from You

Let’s talk about how we can improve your coverage, service, and premium. Simply fill in your details, and we will be in touch within 24 hours to see if we can help.