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Groundworkers Insurance

Protect your business and your clients with groundworkers insurance.

  • We can offer public liability policies to cover groundworkers working to a variety of depths - 2m, 3m or 5m available
  • We can provide a range of liability limits i.e. £1m, £2m, £5m or higher, sufficient to satisfy your customer contract requirement
  • Cover can be extended to include loss or damage to any plant and equipment used on site

Request a groundworkers insurance quote suited to your needs

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Or contact us directly for a tailored groundworkers insurance policy:

0344 892 1664
0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm
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Features of our groundworkers insurance include:

Groundworkers liability insurance

Our groundworkers insurance provides public liability cover to protect against the risks of working in a public environment, such as causing accidental damage to third-party property including underground services, buildings, general contents or their stock, or bodily injury to members of the public, for which you are legally liable.

Cover when transporting groundworkers equipment

To allow you flexibility to move your groundworkers equipment efficiently, we offer cover for theft or damage to your plant and machinery while they are in transit. Specialist cover is also available for contractors and engineering all-risks cover for contractors' plant.

Variable cover for groundworkers as needed up to 2m, 3m and 5m depths

Our flexible groundworkers insurance provides a number of options depending upon the maximum depth limit you need. There are options for working down to depths of 2m, 3m or 5m, or deeper if required.

Employers liability insurance to meet your statutory requirements for staff

Employers liability insurance can be arranged for groundworking staff on a per capita or wages / turnover basis. It will meet your legal requirements to arrange this cover.

Groundworkers Insurance Claims

In the event of a claim please give us a call and we will talk through your claim and help guide you through your next steps in the process.

Need to make a claim?

Give us a call and we’ll help assist you to submit your claim.

0330 1235 740

Groundworkers Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your groundworkers insurance.

Tradesman Thumb

insurance guide

A Guide To Professional Tradesman Insurance Cover

Tradesman insurance is an umbrella term for any business or person who works performing a trade or service to the public. Yet with hundreds of different trades, how do you know what cover you might need? Our guide will help you understand liability insurance for trades, the different cover required and the types of trades we can insure

Business Invoicing

article

Business Invoicing

Client invoicing practiced in a clear and organised way will not only help you receive your cash sooner but will portray professionalism and provide evidence in the event of a non-payment or business insurance claim. We take a look at the top tips for best practice customer billing.

Groundworkers Insurance FAQs

Can your groundworkers insurance cover work at greater than 5m depths?

Yes, our groundworkers cover can be extended beyond 5m on request: talk to an adviser for more information.

Can your groundworkers cover include JCT contract insurance?

Yes, JCT contract insurance can be added to your policy.

Do you cover plant on site as well?

Yes, we can extend your cover to include plant equipment, and a range of handheld tools.

Do you cover work on public roads?

Yes, we can extend cover to all types of public road, including motorways.

Do you cover traffic management during groundworks?

This will generally be excluded as standard, but there is a specialist market available that can accommodate this work.

Are labour-only groundworking sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?

Yes. We can cover both types of groundworking employees for the same risks although it is very important to declare how your groundworking workforce are employed, as this will affect how your risks are calculated. Read more in our article. https://www.towergateinsurance.co.uk/trade-specific/covering-contractors-under-employers-liability-insurance

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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