Groundworkers Liability Insurance
Make sure you have the correct Groundworkers Insurance in place. If you are removing muck, rubble, digging foundations, then your insurance needs to be right. At construction insure will understand what works you carry out and make sure you are appropriately covered.
- Civil Engineering Insurance
- Demolition Insurance
- Asbestos Insurance
Groundworks is classified as a high risk trade due to the depth that is sometimes worked at, and the risk of hitting water pipes, striking electricity cables etc is sometimes high due to the nature of how fast jobs need to be done.
Need Insurance? Get in touch today!
Whatever your groundworkers liability insurance requirements, please get in touch today for a free no obligation quotation.
When you stop to think about the daily risk your job presents, you’ll realise why you should have liability insurance in place. You face hazards whether you’re undertaking a deep excavation for pipe or cable laying, or preparing foundations for a new build or property development. For instance, if you’re working on a public highway, you’re in an environment you can’t control. You can do what’s necessary to minimise the risk, but you can’t predict the unexpected. It’s up to you to take the responsibility of having the insurance cover in place. Cover that will protect you from risks to your income and to any employees. (By the way, this also includes any sub-contractors you pay wages to. Did you know that, if you provide over 20% of their annual salary, they also count as your employees?) At Construction Insure, we’re here to help you reduce your risks by brokering the right insurance policies at the most competitive premiums. We do what a lot of brokers can’t, which is to protect high-risk professionals like you.
How does Groundworkers Liability Insurance help you?
On a daily basis, you could be unloading unwieldy paving slabs; using cranes to lift heavy piping into position or working close to gas pipes or electricity cables. All of which are high-risk situations. Even if you follow Health & Safety guidelines - which you need to do in order to keep your insurance valid - accidents will happen. You work in difficult environments with heavy or complex materials, so there’s always the risk of falls, crush injuries, lacerations or broken bones.
GETTING THE RIGHT GROUNDWORKERS INSURANCE
Standard types of Insurance Cover
- Employers Liability: £10 million.
- Public & Products Liability: £5 million, including damage to property being worked on.
- Financial Loss: £100,000.
- Professional Negligence: £100,000.
Optional cover, which can be added to your policy, includes:
- Contractors ‘All Risks’ in relation to contract works.
- Your own and hired plant and employee tools.
- Defective Workmanship.
- Products Efficacy.
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