Asphalt/Road Contracting Public Liability Insurance
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You’d be crazy not to !!!
As a Asphalt/Road Contracting, you can’t control every variable at client premises or on site. Public liability insurance can provide a financial back‑stop if a client, neighbour or passer‑by alleges injury or damage caused by your work.
Why it matters: one incident involving property owners can mean compensation, repair bills and legal costs — public liability insurance is designed to help with those outcomes.
Key cover areas
- Injury to third parties (clients, visitors, passers‑by).
- Damage to third‑party property (customer premises, neighbouring property, vehicles).
- Legal defence costs and associated expenses (subject to policy terms).
- Everyday working risks where the public or clients are nearby.
- On‑site and off‑site incidents — including set‑up, pack‑down and day‑to‑day working activities.
Examples of claims we see
Example: while working at client premises or on site, a piece of materials or a tool is dropped and damages a client’s property. The customer asks you to pay for repairs and makes a formal claim.
- Injury example: A visitor trips over equipment you’ve left in a walkway and is injured.
- Damage example: Equipment you’re using causes accidental damage to nearby items.
- Another common scenario: A member of the public is injured by an accidental knock or collision during your work.
Common cover limits
Typical limits range from £1m to £10m. If you work on commercial sites or for councils/venues, higher limits (often £5m+) are commonly requested.
Other cover to consider
- Tools Cover — cover for the job in progress, materials, plant or kit (depending on the cover type).
- Product Liability (If Supplying Goods) — useful if you rely on specialist equipment to work.
- Product liability — worth considering if you sell or supply products as part of your service.
- Employers’ liability — If you take on labourers, apprentices, or any PAYE staff, you may also need employers’ liability protection alongside public liability.
Ready to compare? Get tailored quotes for Asphalt/Road Contracting public liability cover in under 5 minutes.