Potentially.

Public Liability Insurance can often be included as a separate section of a Contract Works Insurance policy.

It should not be assumed to be automatically included.

What does each section cover? #

The Contract Works section generally addresses certain physical loss or damage to insured construction works and materials.

The Public Liability section generally addresses certain legal liabilities for third-party:

• Personal injury
• Property damage

The policy schedule should confirm whether Public Liability is included and the applicable limit.

What should be checked? #

Relevant matters can include:

• Insured construction activities
• Public Liability limits
• Products Liability limits
• Subcontractors
• Cross-liability provisions
• Principals’ interests
• Property being worked on
• Existing structures
• Completed work
• Geographic limits
• Exclusions
• Excesses

A standalone Public Liability policy may still be appropriate depending on the builder’s wider business activities and projects.

Contact our team if you need help checking how Public Liability is structured within your Contract Works policy.