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Our Turnover Liability product is suitable for construction-based companies that require Employers’, Public and Products’ liability insurance to protect them for their business activities and require greater flexibility than a per-capita policy.

The policy can be extended to include Contract Works, Owned & Hired Plant and Employees Tools.

The policy is written on a Turnover and Wage basis. The products are not suitable for companies that have a Turnover in excess of £10M

Our insurer partners offer multiple levels of cover and policy benefits. For more details, please browse through our range of Turnover Liability documents within our Resources page.



  • Minimum Premiums from £750
  • PL Limits up to £10m available
  • For Turnovers up to £10m
  • No restriction on the number of workers
  • Up to 70% spend on BFSC
  • Contract Works, Own Plant and Hired in Plant available as additional covers
  • No Claims and Quality Discounts available
  • Contract Works Limits up to £3.5m any one contract
  • Own Plant limits up to £250,000
  • Hired in Plant limits up to £250,000


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Available Trades

Aerial & Satellite Erector Fascias & Guttering Property Maintenance and Repair
Agricultural Contractors Fencing Contractors Rendering Contractors
Air Conditioning/ Refrigeration Engineers Fire Proofing and Fire Protection Engineers Road surfacing Contractors (as a separate trade); depth limit 1 metre
Alarm Installation Flooring Contractors Shop & Office Fitters
Banksman Glazing Contractors Soft Strip Installers
Bathroom Fitters Groundworker Sports Surfacing Contractors
Bricklayers & Hod Carriers Haulage Contractors   Stone Mason
Building Contractors Heating and Ventilation Engineers Suspended ceiling contractors and internal partition erectors and bar fitting
Carpentry & Joinery Heavy Plant Operators Telecommunication and Data
Cladding Contractors House & Garden Removals Tiling Contractors (Wall & Floor)
Cleaning Contractors Kitchen Installer Waste Removal
Curtain Walling Landscape Contractors; including drainage, hard landscaping and paving, depth limit 1 metre (excl. tree surgery) Water Treatment
Damp Proofing Painters & Decorators Welder & Mechanics
Diamond Drillers Plastering & Dry lining Contractors Welding and Fabrication
Drain Cleaners and Repairs Plumbers including bathroom, sanitary and sanitary wear fitters (excluding heating engineers) Wind Turbine Installation
Electrical Contractors Powder Coatings Window Cleaner
Exhibition Stand Design Project Manager  
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