Paying more than £1000 for your groundworkers insurance? Get a free quote from Real Insurance – Independently rated 5 Stars by our customers!
Who needs Groundworkers Insurance?
No matter whether you are self employed, or run a limited company with a team of employees, having the right groudworkers insurance policy in place is vital. In many cases, the contract that you hold with the main contractor or the end client will oblige you to have certain covers in place. But beyond that, groundworkers face a range of risks in their work. Having the right insurance could be the difference between the business being successful and having to close, should something go wrong.
What cover is included on a groundworkers insurance policy?
Busy construction sites can be dangerous places. The UK construction industry accounts for a significant proportion of all injuries in the workplace. As a groundwork contractor, it makes sense to protect the business – and your livelihood. But no two businesses are identical and don’t therefore require identical ‘off the shelf’ policies. Working with Real Insurance means getting a policy tailored to your business requirements, ensuring you have adequate protection in place, without paying over the odds for covers you may not need.
Groundworkers liability insurance cover
There is a range types of liability insurance for groundworkers. If you have any one working for you, not just full time staff, but also part time and casual workers, you will need employers liability insurance by law. It protects the business from the legal and compensation costs where an employee claims and / or proves that they have suffered loss, injury or illness as a result of their work with you. Public liability insurance may well be stipulated in the contracts that you have with main contractors or clients. Should a member of the public make a claim that they have suffered loss, illness or injury because of something that you or your team has allegedly done in the course of work, public liability insurance can payout for yoru legal costs as well as any compensation that is ultimately awarded.
Groundworkers owned or hired in plant insurance
You will use a range of specialist plant and machinery equipment in the course of your work. Where its your own equipment, it makes sense to have the right insurance in place. Should it be damaged or destroyed, repair or replacement costs could be significant, not to mention the disruption to business. Where you hire in specialist equipment from time to time, it will be a condition of your hire agreement that you have adequate insurance in place. Buying hired in plant insurance on your annual grounderworker insurance policy can prove more cost effective than taking out short term cover for when you need it.