Groundworkers Insurance

Cover for groundworking and earthmoving

  • Public liability cover for work at varying depth limits of 2m, 3m and 5m.
  • Expert groundworkers claims service
  • UK-based support

Call us on 03308 088 821 or get a quote online.

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Why choose groundworkers insurance with Towergate?


Groundworkers' equipment and machinery insurance

Contractors All Risks cover is available for a range of groundworkers' equipment and machinery  - ask for details.


£10 million public liability for groundworkers

Liability limits available from £1-10 million, higher on request. Remember to carefully check customer contract requirements.


Expert groundworkers claims service

Dedicated claim handlers to give you peace of mind.

Direct Debit

Pay for your construction insurance by Direct Debit

You can choose to split your payment into ten monthly instalments. Please read our dedicated page on Direct Debit.

About groundworkers insurance


What is groundworkers insurance?

Our groundworkers cover offers public liability insurance for a range of groundworkers activities – landscaping, earthworks, excavations, drainage, kerbing, flagging, driveways and footpaths. Our cover protects both you and your customers in the event of accidental injury or damage caused whilst carrying out works due to your negligence.


Protection for equipment and machinery

We can provide Contractors All Risks insurance for a range of groundworkers equipment and machinery, including backhoe loaders, excavators, loading shovels, compactor plates, forward tipping dumpers and ride on road rollers. Hired plant as well - ask us for details.


Cover for groundworking excavation

Combined Liability cover for you and your employees during excavation. Your employees face potential injury for trips, falls, crushing or laceration. Even following HSE regulations, accidents can happen. Groundworkers employers liability insurance will meet your legal requirements, protecting you and your employees in the event of your negligence.


Extension of cover for temporary workers

Our flexible cover can extend to short-term and temporary workers employed for particular jobs, giving you flexibility to easily add extra resource when needed.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Groundworkers insurance FAQs

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

Yes, JCT contract insurance extensions can be added to your groundworkers insurance policy. Talk to an adviser for more information.

Yes, we can extend your cover to include own and hired in plant equipment, and a range of handheld tools. Talk to an adviser for more information on Groundworking and earthmoving Contractors Equipment All Risks Insurance.

Yes, whilst these activities present higher risks we have access to insurers who can provide liability cover for a range of activities including highways work on  road, high streets, major trunk roads including motorways.

This is a specialist market, tell us what you need and we will look to source it for you.

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.

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.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

Read more FAQs

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