If you're a civil contractor, you carry a lot of liability. You're responsible for all the vehicles and equipment on your construction site, you're liable if something goes wrong with your building once it's finished, and you carry some responsibility if you can't finish the job for any reason.
Because of these issues and others, civil contracting insurance is essential. However, it can get expensive. Here are a few ways to save:
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Public Liability Insurance (PLI) is often seen by businesses as an expensive but necessary element of their business insurance portfolio. But does your business really need PLI or are you just wasting your money? After all, PLI is not a legal requirement for businesses.
Before addressing the question, it's important to clarify what PLI actually covers:
Injury to third parties as a direct result of your business operations Damage to a third party's property as a direct result of your business operations Should either of these events occur with the result that your business is sued for damages, PLI will cover you for the cost of any legal fees and compensation awards made against you.
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