Groundworks insurance
Insure your groundworks business for liability with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better groundworks insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a groundworks liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock
when you need us most.
Fairer prices for all
We only provide cover for good
drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up
after you. Seriously!
What is groundworks insurance?
Groundworks insurance is a public liability policy that protects businesses involved in groundwork and excavation from claims made by the public for injuries or property damage arising from their work. It offers peace of mind, knowing that you’re covered for incidents that might occur on-site.
It covers a range of scenarios where your groundworks business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to groundworkers for several reasons:
- Business reputation: Having insurance shows clients and the public that you take safety and accountability seriously.
- Financial protection: Groundworks often involve heavy machinery and excavation, increasing the likelihood of accidents or damage. Insurance provides crucial financial protection.
- Legal compliance: Many clients and construction firms require groundwork contractors to have liability insurance before beginning a project.
What are the benefits of a groundworks insurance policy?
Personal injury claims
Protects you if someone is injured as a result of your groundwork activities or equipment.
Damage to property
Covers claims for accidental damage to structures, land, or utilities.
Legal protection
Assists with legal defence costs associated with claims.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does groundworks insurance cost?
This depends on the nature and size of your groundworks business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Level of cover
The cost of groundworks insurance depends on the cover you select. Policies typically start at £1 million cover, with options to extend to £5 million or £10 million.
Nature of business
Groundworks businesses can face higher premiums due to the inherent risks of excavation and heavy machinery use, which increase the likelihood of accidents or damage.
Location
Location can influence your premiums. Operating in areas prone to theft or vandalism that cause claims activity might result in higher insurance costs.
Business size and turnover
Larger groundwork companies with high turnover or extensive projects generally require more cover, leading to higher premiums.
Number of employees
Employing more workers means greater exposure to risk, which can increase insurance costs even in lower-risk operations.
Claims history
A history of claims can push premiums higher, while a clean claims record may help reduce costs over time.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.