Groundworkers Liability Insurance

Looking for the right Groundworkers Insurance? You’re in the right place.

If you're involved in site clearance, muckaway, digging foundations, or excavation works, you need specialist cover that protects you from the real risks you face on site. Groundwork is a high-risk trade, and a standard policy simply won’t do.

At Construction Insure, we specialise in insurance for groundworkers. We’ll take the time to understand exactly what type of work you carry out - whether that includes deep excavations, drainage, utility trenching, or groundwork for new builds and make sure your insurance covers it properly.

We provide tailored quotes for:

groundworkers insurance man on site reviewing works taken place to assess risks

  • Civil Engineering Insurance
  • Demolition Insurance
  • Asbestos Insurance
  • And more!

 

GET A QUOTE

From the risk of hitting underground services like water pipes or electricity cables, to the challenges of working at depth and tight project deadlines - we’ll make sure you’re fully covered with the right policy, at the right price.

Need Groundworkers Insurance? Get in touch today!

Whatever your groundworkers liability insurance requirements, please get in touch today for a free no obligation quotation.

groundworkers contractors insurance

Groundwork is one of the most high-risk trades in the construction industry. Whether you’re laying pipes, digging deep excavations, or preparing foundations for a new build, you face serious hazards every single day. That’s why having the right Groundworkers Insurance isn’t just a box to tick - it’s a vital layer of protection for your business, your income, and your team.

Think about it. If you’re working on a public road for example, you’re operating in an environment you can’t fully control. Even with all the correct safety procedures in place, unexpected incidents can and do happen. That’s why it’s your responsibility to make sure you have the correct groundworks insurance cover not just to stay compliant, but to make sure you’re financially protected if something goes wrong. Construction Insure does exactly that!

This includes having cover that accounts for:

  • Risks to your employees and subcontractors

  • Public liability for damage or injury caused during works

  • Tools, plant, and materials

  • Accidents, injuries, or legal claims arising from your work

At Construction Insure, we specialise in brokering tailored insurance for groundworkers, even when other brokers can’t. We understand the complexity and risk of your trade, and we’ll match you with a policy that covers exactly what you do - without overpaying for things you don’t need.

What Does Groundworkers Liability Insurance Cover?

As a groundworker, your job can include tasks like:

  • Lifting and laying heavy paving slabs

  • Excavating trenches near gas or electricity cables

  • Using cranes or heavy machinery

  • Working in confined or unstable ground conditions

These are all high-risk activities, and no matter how closely you follow health and safety guidelines (which, by the way, is essential to keep your insurance valid), accidents can still happen. Common risks include:

  • Falls from height or into trenches

  • Crush injuries from plant or materials

  • Lacerations, fractures, or manual handling injuries

  • Damage to third-party property or utilities

Groundworkers Liability Insurance protects you if someone is injured or something is damaged as a result of your work. It can cover legal costs, compensation, and repair bills - so you’re not left footing the bill for an accident, even if it wasn’t your fault.

Need the Right Cover for Your Groundworks Business?

At Construction Insure, we specialise in high-risk trades like groundworks and civil engineering. We’ll help you find the right policy - whether you’re a sole trader, run a small team, or operate as part of a larger project.

GETTING THE RIGHT GROUNDWORKERS INSURANCE

  • How else does Groundworkers Liability help you?

    We’re able to offer policies that provide specific cover for the type of groundworks you do and what that might involve. Do you use your vehicles for transporting heavy materials to their destination? We’ll make sure that an accident on the way, one which may damage expensive materials, doesn’t cause you unnecessary financial problems. Tools and equipment are also an important aspect of your business. We’ll cover them in case they’re lost, damages of stolen, so you don’t have to deal with any business interruption. In short, we’ll help you get the policies you need so you’re fully covered. And that your income and livelihood are completely protected.

  • What do you need to know about getting the right Insurance?

    The more we know about the type of groundworks you do and where you do it, the more we can help you. There’s a list, below, of examples of the liability cover you may need. In all of these cases, you need to be completely honest with the insurance companies, otherwise you may as well not have a policy in place. Any omissions concerning your business or your staff numbers could invalidate your insurance policy. But it’s our job to make sure you’re completely covered. We have a network of Account Handlers in place to look after you right from your first enquiry. And they’ll keep looking after you in the event that you do have to make a claim.

  • Finding You the best Groundworkers Insurance Policy

    So how do we help you? We start by listening, to understand the work you do, and what your budget is. Then we’ll propose in detail what you need insured and what your cover will cost. This can include Public Liability, Products Liability and Employers Liability insurance. As well as policies for Contents and Machinery and Stock insurance.

  • How do you get the right advice?

    Insurance, like groundworks, needs experience to get the right cover for your project. Please call us on 020 3958 6868 so we can talk to about what you need and give you the right advice. Then we can get you the insurance policy that’s right for you. Because we are independent, we have access to a wide range of policies and can come up with a solution tailor-made to your requirements.

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.

WHAT OUR CLIENTS SAY

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" Comparing like with like plus some lower excesses you have managed to save me in excess of £1500 or approximately 15% on my previous insurer. "

- Hew Stevenson

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" We found you to be more thorough, efficient and reasonably priced than our existing insurer. We would not hesitate in recommending you to anyone."

- Zena Nairi LLB (Hons)