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What is groundworkers’ insurance?
Groundworkers’ insurance refers to a group of covers designed to protect businesses and contractors carrying out groundworks and site preparation, including excavation, drainage, foundations, paving and other essential first-stage construction work.
This insurance may typically include public liability insurance, which covers injury or property damage claims from third parties, as well as employers’ liability insurance to protect against claims made by employees injured at work.
| Professional negligence | |
| Injuries caused to third-parties in the course of your business activities | |
| Accidents caused by defective tools or machinery | |
| Manual handling accidents |
Why do groundworkers need insurance?
Groundworkers are often first on site and work in high-risk environments, where small mistakes can lead to significant consequences. From operating heavy plant and machinery to working around underground services and nearby structures, groundworkers are often exposed to a range of risks on site.
Without the right insurance in place, you could be responsible for costs relating to third-party injuries, property damage, legal fees, or compensation claims. Groundworkers’ insurance can safeguard you financially, helping you to continue operating if something goes wrong. Securing insurance can also give you the confidence to take on new projects, knowing your business is protected against unexpected events.
Employers’ liability insurance is a legal requirement if you have employees, covering workplace injuries or illnesses.
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What groundworkers' insurance can cover?
Groundworkers' insurance can include a range of covers, depending on your individual circumstances and needs. Below are some examples of what can be covered under our groundworkers’ insurance; however, your full insurance policy depends on which types of policy and sections of cover you choose. Our advisors will be happy to talk through the insurance policies Ollo Insurance can offer and what they provide cover for. Our groundworkers' insurance can help cover your legal costs and expenses in defending a claim, and any compensation or costs that may subsequently be awarded (please check your policy terms and conditions for full conditions), following:
What can be covered:
| Professional negligence – such as making an error in a piece of work for a client, which results in them losing money | |
| Injuries caused to third-parties during business activities – such as a customer slipping over a piece of equipment and claiming for compensation | |
| Manual handling accidents – such as an employee injuring their back whilst lifting heavy goods at work resulting from inadequate training | |
| Loss or damage to documents – our policies can cover the cost of replacing or restoring any document which is lost, damaged or destroyed during the policy year to ensure you can keep trading with minimal disruption |
What cannot be covered:
| Client’s reputational damage – for example, professional indemnity insurance would not respond if your negligence resulted in your client needing to spend costs to recover from reputational damage | |
| Deliberate or reckless acts you commit – for example, public liability insurance would not respond if you or an employee caused deliberate harm to a member of the public |
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
Browse all FAQsNo, public liability insurance is not required by law for groundworkers. However, some businesses and customers may require you to secure the cover before beginning a professional relationship.
If you have any questions, contact one of our insurance experts here.
Further reading for groundworkers' insurance
Understanding the different types of business insurance
Written by Michael Lawrence
What is professional indemnity insurance?
Written by Michael Lawrence
What is public liability insurance?
Written by Michael Lawrence