The short answer: Why public and employers’ liability insurance is essential for industrial contractors working on client sites
As a company, being properly insured is one of the first steps in running a responsible business. For industrial contractors, liability insurance protects against claims arising from injury to third parties or damage to property.
Public liability insurance covers incidents involving members of the public or clients on your premises. Employer’s liability insurance is a legal requirement in the UK for any business with employees. Contractor-specific cover may also include professional indemnity and contract works insurance.
For more information about insurance options for industrial businesses, speak to a specialist broker. Varlowe Industrial Services maintains full contractor insurance as part of our commitment to operating safely and professionally.
Industrial contractors work in environments where injury, damage, or third-party claims can arise from their activities. Public liability insurance covers claims from clients or members of the public injured or whose property is damaged by the contractor’s work. Employers’ liability insurance is a legal requirement for any business with employees and covers claims arising from work-related injury or illness.
Yes. The Employers’ Liability (Compulsory Insurance) Act 1969 requires all UK employers to hold a minimum of £5 million employers’ liability insurance. Failure to hold valid cover can result in fines of up to £2,500 per day. The certificate of insurance must be displayed (physically or electronically) in the workplace.
The required level depends on the client’s requirements and the nature of the work. Most commercial and industrial clients require contractors to hold a minimum of £5 million public liability cover; larger clients or those working on infrastructure or public buildings commonly require £10 million.
Yes. Varlowe Industrial Services holds public and employers’ liability insurance and operates to Safe Contractor accreditation, which independently verifies their health and safety standards and insurance compliance. Certificates are available on request.