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.
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.
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.
