We're here to help with insurance for groundworkers

As one of the first tradesmen on-site, we know that your role carries high levels of risk to you, your staff or subcontractors, and the general public. You face many potential unknown dangers, so you need comprehensive groundwork insurance in place to protect against these challenges. Because we understand your business, we arrange insurance for groundworkers that offers:

  • Protection for:
    tools and equipment that you own, as well as those you hire in or loan out
    vehicles used for your work
    property and materials that are lost or damaged whilst on-site
    contamination or pollution caused by your work

  • Bespoke cover ‒ whether you're a sole trader or manage a team of groundworkers, our groundworker insurance is designed around you. You'll only pay for the cover you need.
  • Professional advice and support ‒ throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We'll also support you if you need to make a claim.
  • Saving you time ‒ leave the hard work to us; we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best.

How our team of groundworker insurance experts can help you

At Marsh Commercial, we have over 28,000 contractors who have chosen us to manage their insurance needs. That's almost £130m in gross written premium (GWP); you're in good company. 

Our team of experts have years of experience supporting tradesmen and contractors like you working in the building industry. 

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different, so it pays to speak to professionals who can help you.

What cover can groundworkers insurance offer?*

We can arrange the following areas of cover, depending on your business needs:

  • public liability
  • employers liability
  • professional indemnity
  • subcontractor liability
  • contract works
  • plant
  • vehicles, including directors' cars
  • stored materials
  • tools in transit
  • groundwork risks
  • environmental clean-up.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

Builders insurance

We know the nature of your work carries many risks to you, your staff or subcontractors and the general public. You need cover that gives adequate protection against these risks and reassurance for your clients.

Civil engineering contractors insurance

We know your work can often present risks. Because we understand the day-to-day risks and challenges you face, we developed a specialist civil engineering contractors insurance package.

Road surfacing contractors insurance

From building new roads or highways to resurfacing and repairing potholes, we know your job is varied and carries many risks. Because of these risks to yourself, your staff or contractors, and the general public, you need insurance cover that gives adequate protection.

Frequently asked questions

Do I need insurance as a groundworker?
Your role potentially carries one of the highest risk aspects in construction, so you need to be prepared for the unexpected. Having comprehensive groundworker insurance cover in place is essential to protect yourself and your business from any damage caused by your work. If your tools are damaged or stolen, you would have to pay to repair or replace them without insurance; potentially, this would be a significant cost to your business. Your tools could also pose a hazard to members of the public. As a groundworker, you should have groundwork public liability insurance in place to protect against risks that may cause injury to the public or your customers. If you employ staff, you're legally required to have employers liability insurance. Professional indemnity insurance will cover any legal costs and damages that you could be liable for should you or your business make a mistake.
Do groundworkers need public liability insurance?
Accidents happen. Every day, your business is exposed to risks that may cause injury to the public, your customers and anyone visiting your site, as well as property damage. You need to protect yourself against third-party claims arising from these situations. Groundwork public liability insurance will cover legal defence costs and compensation costs should you face a claim against you.