What is groundworker insurance?
All the covers you might need in one policy
Ground workers insurance protects those in the groundworking trade from a variety of daily risks and perils. As a ground worker you’ll typically be one of the first and last people to carry out your trade on sites. You prepare land in preparation for the building work, sorting drainage, removing sewage, laying concrete and laying kerbs and flag stones. Dealing daily with excavation works, foundations and footings carry increased risks, so to ensure that you are financially protected you need to consider taking out a tailored tradesman insurance policy to protect you should you be self employed or to protect your business. The work you do is hard but rewarding, and the cover we’ve prepared for groundworkers like you is designed to consider the work you do and the perils you might face in your daily line of work.
At The Insurance Octopus, our comprehensive cheap business insurance policies are designed to be flexible, ensuring you’re able tailor your insurance policy to exactly the way you need it providing all of the essential cover you need in one simple business insurance policy.
What your groundworker insurance policy includes
Public Liability cover
Public Liability insurance comes with various levels of cover from £1m, £2m and £5m. Public Liability insurance is an essential component of groundworkers insurance. If a third party becomes injured or their property damaged as a result of your work, it is your public liability insurance that will cover the costs of repairs, court cases, and any compensation that may be due.
Employers Liability cover
Employers Liability insurance is a legal obligation if you employ permanent or temporary members of staff. As an employer, it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees. Cover is available at a standard level of £10m.
Legal Expenses cover
Legal Expenses will cover you if you have a legal dispute. Legal expenses can be costly and stressful but having legal expenses cover will give you financial protection for you and your business.
Contractors All Risks cover
Contract Works or Contractors All Risks cover will insure your construction works plus materials, should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. For example, if you are completing an extension and it is damaged or destroyed by fire, you would have to complete the work again. Contract Works cover will provide the protection you need in this instance. Contract works insurance is available as a single one off policy or as a yearly policy.
Why you need ground worker insurance
It’s important for your groundworking business to ensure that you are protected against any risks associated with your line of work. A groundworkers insurance policy from The Insurance Octopus will include fundamental elements of insurance that you could need including cover for liabilities, full tool and equipment cover, and any additional covers you may require.
Cover you can trust
Our commercial insurance specialists will discuss the insurance requirements of your gardening business with you and look to compare quotes from our panel of niche and leading insurers, ensuring that you get a bespoke policy; only paying for the cover your business needs.
Flexible payment options
Your trade specific cover can easily be arranged and we can look to provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions). We can also offer you a range of flexible payment options, including Direct Debit to help spread the cost of cover.
Why choose The Insurance Octopus for Groundworker Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Groundworker Insurance FAQ's
Get the answers you're looking for
Why does a groundworker need insurance?
As a groundworker, it is likely that you deal with excavation works, footings and foundations on a daily basis. This may happen in a variety of locations and for a range of clients across the UK. And as exciting and interesting as this work may be, it can pose a number of risks that may affect your health, equipment, client or members of the public. Insurance is essential to your work as a groundworker as it will ensure that you are protected against every scenario possible that may damage and financially drain your business.
Do I need employers liability insurance if I’m self-employed?
Put simply, if you are a self-employed ground-worker and work alone then you do not need employers’ liability insurance. The purpose of this insurance is to protect both permanent and temporary members of staff and provide a safe and secure surrounding for them. However, if you have no one else on your team, this is not a necessary insurance type to have.
Can I arrange groundworker cover for just six months?
We try to accommodate every business and self-employed trades person, and will always try to create unique policies that are suited to your needs. Our policies are typically set up on 12 month terms; however please give us a call today to see how we can help.
How insurance for groundworkers works
Examples of Groundworker Insurance in action
Employee Compensation after Excavation Accident
A groundwork company is contracted to dig down to the sewage pipes underneath the car park outside a commercial property. Workers are instructed to use pneumatic drills in a certain area of the car park, as the boss misreads blueprints about pipe locations. One worker drills through concrete that has an open space below it and the floor collapses, taking the employee with it. He falls 15 feet and breaks both his legs. He sues for compensation, and the employer's liability insurance covers the compensation fee of £20,000.