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What is piling contractors’ insurance?
Piling contractors' insurance refers to a range of business insurance covers designed to protect businesses and contractors involved in foundation and piling work. Whether you install driven piles, bored piles, sheet piles, or specialised foundation systems, piling contractors often work on complex construction projects where mistakes, accidents, or unforeseen events can result in significant financial consequences.
Piling contractors' insurance can help protect your business against claims arising from property damage, third-party injury, employee accidents, and other risks associated with carrying out piling and foundation works. Depending on your business requirements, cover can also be tailored to include protection for legal disputes, workplace injuries, and professional advice provided to clients.
| Injury claims made by members of the public | |
| Accidental damage to third-party property | |
| Employee injuries sustained while working on site | |
| Manual handling accidents |
Why do piling contractors need insurance?
Piling contractors operate in one of the higher-risk areas of the construction industry. Working with heavy machinery, specialised equipment, deep excavations, and complex ground conditions can create significant risks on site.
Without appropriate insurance in place, your business could face substantial costs if an accident occurs. For example, damage to nearby buildings, underground services, or neighbouring property could result in expensive compensation claims.
Having the right insurance in place can help protect your business from unexpected events, allowing you to continue operating if a claim is made against you. It can also provide reassurance to clients, contractors, and principal contractors that your business is protected and able to meet certain contractual requirements where applicable.
If you employ staff, employers' liability insurance is a legal requirement and can protect your business if an employee experiences a work-related injury or illness.
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What piling contractors' insurance can cover
Piling contractors' insurance can include a range of specialist covers, depending on your business's individual circumstances and needs. Listed below are some examples of what can be covered under our piling contractors' insurance; however, your full insurance policy will depend 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 can provide cover for. Our piling contractors' 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:
| Protection against claims for injury to third parties or damage to third-party property arising from your business activities. | |
| Provides financial support if you suffer an injury that prevents you from working. | |
| Cover for claims made by employees who suffer an injury or illness as a result of their work. |
What cannot be covered:
| Deliberate, reckless, or illegal acts carried out by you or your employees. | |
| Damage resulting from wear and tear, gradual deterioration, or poor maintenance of equipment. | |
| Claims linked to known issues or incidents that occurred before the policy started. |
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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 FAQsPublic liability insurance is not required by law for piling contractors; however, it can provide valuable financial protection against some of the risks associated with foundation and ground engineering works.
If you have any questions, contact one of our insurance experts here.
Further reading for piling contractors' 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