Groundworker insurance

Q: Do I need employers’ liability insurance if I’m a self-employed groundworker?

Most employers need employers' liability insurance. For more information on whether you are required to have employers’ liability insurance visit Employers' liability insurance - GOV.UK (www.gov.uk).

Q: Do groundworkers need insurance?

Groundworkers often deal with excavation works, footings and foundations. This may happen in a variety of locations and for a range of clients across the UK. And, as exciting and interesting as this work may be, it can potentially pose a number of risks. Being properly insured could protect you and your business against any unexpected damages or harm. Clear Business can help find policies suited to you and your business – we’re business insurance specialists, so we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.

Protect your business and compare prices from £4.74 a month*

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is groundworkers insurance?

Groundworker insurance is designed with the specific risks faced by groundworkers in mind. From equipment damage to accidental injury, this insurance can help cover a range of potential challenges that may arise on-site. With options that include public liability cover, personal accident insurance, and professional indemnity insurance, a comprehensive policy could help to protect your business from costly claims or disruptions.

Groundworker insurance could provide essential coverage designed to protect your groundwork business from unforeseen costs and liabilities. Whether you're laying foundations, managing excavations, or handling site preparation, the risks associated with groundworking can be complex and costly. With groundworker business insurance, you may gain peace of mind knowing that your business has support to cover the unexpected.

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We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

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What cover can business insurance for groundworkers include ?

You can compare groundworkers insurance cover that is flexible and tailored to the specific needs of your trade. You can cover different risks depending on the nature of your work. Here’s what could be included in your insurance policy.

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Equipment & tools cover

Cover for your essential business equipment and tools, whether they're at home, in the van or on-site.

Contract works insurance

Protection against the loss of, or damage to, a construction project or site. You’ll be covered for the labour and material costs to re-do the work.

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Own or hired in plant insurance

This can protect you financially against the costs of damage to or loss of plant machinery that you own or hired.

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Compare groundworkers insurance
from £4.74 a month^*

As a groundworker, you can understand the importance of having the right insurance package to mitigate risks. We can help you get the cover you want with less hassle.

Compare quotes from leading insurers, all in one place
Prices from £4.74 a month^*
In partnership with Simply Business

*The price is for up to £2 million of public liability insurance – 10% of customers paid £4.74 or less annually between 1st Jan - 31st May 2024. Equivalent to £56.82 a year (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available and these all have additional costs.

Groundworker insurance FAQ's

If you have a question about your groundworker insurance, you might find the answer here in our FAQs.

Do I need employers’ liability insurance if I’m a self-employed groundworker?

Do groundworkers need insurance?

For more information on protecting your business, check out our FAQ's Hub

More information on your policy options

Builders liability insurance

Get protection against claims arising from accidents or damage occurring while you're working. Whether it involves a third-party injury or accidental property damage, this insurance can help cover your financial liabilities, including legal costs and potential compensation claims.

Protecting your tools

Your tools are essential to your trade, and losing or damaging them can significantly impact your ability to work. Tools insurance may cover your equipment against theft, loss, or accidental damage, allowing you to replace or repair tools quickly without major financial strain.

Personal Accident Cover

Construction sites can be hazardous, and accidents are always possible. Personal accident cover may provide financial assistance if you are injured and unable to work. Additionally, accidental death coverage could offer financial support to your loved ones in the unfortunate event of a fatal accident on the job.

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Safeguard your business from financial risks including professional negligence claims, equipment and tools damage or theft, public liability, plant insurance and much more.

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What is groundworkers insurance?