Groundworkers Insurance

Get the right cover in place for your Groundworker business

Paying more than £1000 for your groundworkers insurance? Get a free quote from Real Insurance – Rated 5 Stars by our customers!

Tailored Cover for Groundwork Professionals and Contractors

 

Whether you’re a self-employed groundworker or run a larger operation with a team of employees, having the right insurance in place is essential. Not only do many contracts require specific cover, but ground working also comes with significant risks that could threaten your business if left unprotected.

At Real Insurance, we build custom insurance packages designed to suit the needs of groundworkers – so you’re covered where it matters most, without paying for extras you don’t need.

Who needs Groundworkers Insurance?

If you work in ground preparation, excavation, drainage, or site clearance, this cover is for you.

Whether you’re:

A sole trader

A subcontractor

Running a limited company

… you’ll likely be required by main contractors or clients to carry certain types of insurance – especially Public Liability and Employers’ Liability. But beyond contract requirements, insurance provides vital protection from accidents, damage, and unexpected setbacks on busy, high-risk construction sites.

What cover is included on a Groundworkers insurance policy?

 

No two groundworking businesses are the same, so we tailor each policy to fit your specific operations. Common covers include:

Public Liability Insurance

Protects your business against third-party claims for injury or property damage. It can cover legal fees and compensation if someone holds you responsible for harm or loss.

Employers’ Liability Insurance (a legal requirement)

If you employ anyone – even casually – you’re legally required to have this cover. It protects your business from compensation claims made by employees for work-related injuries or illness.

Owned & Hired-In Plant Insurance

Covers the cost of repairing or replacing your own machinery if it’s stolen or damaged. If you hire in plant and equipment, insurance is often a condition of the hire agreement. Adding this to your annual policy can be more cost-effective than buying temporary cover every time you hire gear.

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Talk to a member of our Mansfield based Specialist Insurance Brokers today.

Other Groundwork Insurance Covers to consider…

There are a number of other considerations to be made. It’s worth talking to us about whether you need professional indemnity insurance, for example. Similarly, if you work at depth it’s important to have that noted on your policy or you could find yourself uninsured for some jobs.

More widely, you may wish to include any vehicles and tools that you use as part of your work on a policy. For a no obligation discussion of your particular requirements, call Real Insurance today.

  • Professional Indemnity Insurance – if you offer advice, designs, or consultancy

  • Working at Depth Cover – important to include for complex terrain work

  • Vehicle & Tools Insurance – protect your business-critical gear and transport

  • Business Interruption Insurance – covers potential income loss if you cannot get on site

  • Goods in Transit Cover – protects materials and tools while being transported

  • Buildings & Contents Insurance – for your office, yard or storage site

  • Theft of Money or Stock – additional protection from financial loss

  • Portable Equipment Cover – for mobile devices and onsite equipment

  • Legal Expenses Insurance – covers the cost of defending legal disputes

  • Cover for Crime, Vandalism or Terrorism – for that peace of mind in high risk areas

Talk to Real Insurance Group today

We understand the construction and groundwork industries inside and out. With years of experience and access to top UK insurers, we will source the right policy at a competitive price – no hidden gaps.

Going through Real Insurance Group gives you the peace of mind that you’ve chosen your cover from a wide range of appropriate options. Call our team today.

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