This depends on the terms of your specific Public Liability insurance policy. In many cases, subcontractors are excluded unless they are declared and noted in your policy schedule.

If you engage subcontractors, it’s important to let us know so we can confirm:

• Whether your policy provides cover for their actions
• If they need to hold their own Public Liability insurance
• Whether they are classified correctly as subcontractors, employees, or volunteers

In some situations, your policy may respond to claims caused by a subcontractor, but that does not mean the subcontractor themselves is covered. Without their own insurance, they may still be personally liable for any damages.

Volunteers or unpaid workers may also need to be declared separately.

For builders and contractors #

In the building and construction industry, Public Liability cover arranged through a Contract Works Insurance policy is generally more suitable when subcontractors are involved. These policies are often structured to provide clearer coverage for subcontractors working under the head contractor or builder, provided they are included in the project declarations.

Contact us to review your policy and ensure that all parties involved in your projects are properly protected.