Public & Employers' Liability
The cover every contract asks about first — employers' liability for your team, public and products liability for everyone else, at limits that get you on site.
Cover for people in your position
A starting point, then tailored to you
Cover varies by insurer and by your circumstances — this is the shape of it. We'll confirm exactly what's included before anything is bound.
What you get with Clapton
Contract conditions met first time
Limits and clauses matched to tender requirements, with certificates issued the same day.
Honest about your activities
Cover described to insurers exactly as you work — the difference between a paid claim and a declined one.
Defence as well as damages
Legal costs covered and claims contested properly, including the spurious ones.
Public & Employers' Liability: the questions we're asked
Yes — almost every employer must hold at least £5m of cover; £10m is the market standard. Fines apply for every day without it.
Whatever your contracts demand, plus headroom for the worst realistic incident — £1m, £2m, £5m and £10m are the usual steps.
No — it covers injury and damage you cause to others. Defective workmanship itself usually needs other covers, and we'll explain where the line sits.
You may also need
Ready to talk about public & employers' liability?
A short conversation tells us more than any form. We'll come back with cover built around your risk.