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Ground Workers

Groundworkers are the foundation of any construction job. They’re usually the first ones on-site, which means they're also potentially exposed to more risk working on an active construction site. So it's essential that, if you're a groundworker, you have the right kind of groundworker insurance in place to protect you and your financial stability.

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That's where Park Insurance can help. Our expertise and experience enable us to source the right type of groundworker insurance that suits your needs and budget.


What is groundworker insurance?

Groundworkers' Insurance is essentially a Public Liability policy that is tailored to the specific needs of groundworkers. If someone is injured or their property is damaged as a result of your actions and they submit a claim for compensation against you, insurance ensures that your legal costs and any compensation payout are covered, and that you're not left out of pocket. Your cover package can also include other types of protection, such as personal accident cover so that you can keep paying the bills even if you can’t work as a result of an accident, and specialist vehicle cover.

Who needs ground worker insurance?

Anyone who works in a range of activities can benefit from groundworkers' insurance cover. This includes workers in landscaping, excavations, construction, and those who lay driveways, footpaths and flagging. Whether you’re a sole trader or a contractor, insurance protects you and your customers, and demonstrates to clients that you take your role seriously.


What does it cover?

The Public Liability aspect of groundworker insurance protects you financially in the event of a compensation claim for injury or damage to property, but other elements can provide additional protection. These include cover for your tools in case they are stolen or damaged, personal injury cover, and specialist business vehicle insurance. You may also want to consider coverage for any plant machinery you hire, as well as general business insurance. If you employ anyone, remember you must have Employer's Liability insurance.

Why do I need groundworker insurance?

The construction industry is a thriving sector, but unfortunately, it comes with inherent risks. Construction and building sites are hazardous areas, which is why there are strict Health & Safety regulations covering them. As ground workers are usually the first workers on site, there may be issues that have not yet been identified, potentially putting people at risk of injury or damage to property. To protect yourself and others, insurance acts as a financial cushion to absorb the cost of any legal fees and compensation claims in the event of an incident.

It can also cover property damage, for example, if you’re contracted to lay a driveway and your actions damage a garden, garage, or vehicle while you’re on the property.

How much does ground worker insurance cost?

The cost of your groundworkers' insurance will depend on the level of cover you invest in and what you include in your package. The greater your coverage, the higher your premiums will be. However, it could cost you much more in the long run if you don’t have the right policy in place.


Why choose Park Insurance?

For over 30 years, Park Insurance has been the trusted insurance broker for tradespeople of all industries. If you're looking for affordable, practical, and relevant insurance, we can create a package that suits you, your needs, and your budget. We’ll never ‘upsell’ you cover you don’t need, either. And because we’re the preferred broker with some of the UK’s largest insurance providers, we can find you a better deal at a better price.

To find out more about ground worker insurance, call our team and talk to one of our expert advisors today, or click on the Get A Quote button for a free, no-obligation quote right now.

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Give us a call on 0117 301 8507 or click on the button below and we will be happy to contact you to discuss your needs.

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