Public Liability

Public Liability Insurance protects your business against costly third-party claims for injury or property damage caused by your negligence, making it essential for any business that interacts with the public.

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Public Liability Insurance for Building Contractors

CHAS Insurance arranges specialist public liability insurance for building contractors across the UK. Whether you’re a sole trader, a groundworker subcontracting to a main contractor or managing a team across multiple sites, we secure the right level of cover, structured around how your business actually operates.

Our specialist team works with contractors and construction businesses, so we understand what your contracts demand, what your accreditations require and what the right level of protection looks like at every stage of your growth.

Speak to our team today for a tailored quotation.

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Public Liability Insurance for Contractors – What Is Covers

Public liability insurance protects your contracting business if a third party, such as a client, a member of the public or a visitor to your site, is injured or has their property damaged as a result of your work or your team’s activities.

Your policy covers the legal defence costs and any compensation awarded, protecting your cash flow and your business continuity when a claim is made.

For building contractors, the exposure is significant. A scaffolding incident injuring a passer-by. Damage to a neighbouring property during demolition or groundworks. A client tripping on your equipment. A ceiling collapsing after structural work, causing injury.

They’re the reasons public liability insurance is considered essential across the construction sector.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

Do Contractors Need Public Liability Insurance?

Public liability insurance isn’t a statutory legal requirement in the UK. But in practice, for building contractors, it’s non-negotiable.

Most main contractors, housing associations and commercial clients require you to hold a minimum level of public liability cover before building work can start.

Local authorities typically require a minimum of £5 million cover before you can tender for their work, and subcontractors without adequate cover risk losing contracts from main contractors who treat it as an essential requirement.

Beyond contractual obligations, holding the right cover signals to clients that you operate professionally and take your responsibilities seriously, which matters when you’re tendering for new work or maintaining accreditations such as CHAS, Constructionline or SafeContractor.

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Contractors and Trades We Cover

We arrange public liability insurance for contractors across all trades and contract types, including:

General builders and developers
Groundworkers and civils contractors
Electricians, plumbers and heating engineers
Roofing, cladding and façade contractors
Fit-out, refurbishment and interior contractors
Demolition and structural contractors
Sole traders through to companies with large employed workforces

Whatever your trade, we’ll make sure your cover is structured correctly and competitively priced.

Speak to CHAS Insurance today for a competitive public liability insurance quotation.

We work with contractors accredited by the following organisations…