Groundworkers insurance
You're just quote away from a great value groundworkers insurance policy
Compare groundworkers insurance quotes
As scaffolding insurance brokers our experts are here to help you find the right insurance policy for your business, by comparing quotes from a range of insurers. Our friendly team will help you build the perfect scaffolding insurance package for your business, so you get the exact cover you want and need.
Start a Quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
What does scaffolding insurance cover?
Scaffolding insurance includes a range of covers designed to protect your business, employees, and clients. Speak to our experts to build a policy that suits your needs. These are the core covers you might want to include in a comprehensive scaffolding insurance package:
Groundworkers public liability insurance
Laying foundations and doing excavation work brings with it a variety of risks, from damaging underground cables and pipes to the risk of someone falling down a hole that you’ve dug. Claims associated with this trade can escalate quickly and be very costly, so having the right groundworker insurance is essential. Public liability insurance can protect you financially against accidental damage to property and accidental injury to any third party resulting from your business activities.
Groundworkers Employers' liability cover
Employers’ liability insurance is cover specifically for your employees in case they injure themselves at work. If you have anyone working for you, including labour-only subcontractors, then you’ll need to include this cover to fulfil your legal responsibility. Both these liability covers can be purchased together in one easy to buy groundworkers insurance policy so you can focus on what really matters – your business.
Personal accident cover for groundworkers
While being self-employed can have its advantages, you must also consider what would happen if you had an accident and were unable to work for a while. Accidents on site are common in comparison to other professions meaning personal accident cover should be a key consideration. It can provide you with a set weekly income to tide you over until you are fit to go back to work and can be included within your groundworker insurance quote to offer financial protection should you be involved in an accident at work.
Contract works, plant, equipment and tool cover
Your tools and plant are pivotal to your work. They’re also costly to replace and will probably be highly attractive to thieves. If something happened, you could find yourself unable to trade. Tool and plant cover can be added to your groundworker insurance quote in case something unexpected happens. If you hire in plant, such as a digger, you will probably be responsible for insuring it. Cover for hired-in plant can also be added to your groundworkers insurance.
Builders professional indemnity cover
Professional indemnity insurance is designed to protect your business in the event that a client suffers financial losses as a result of the work you do for them. Your clients rely on your professional expertise. If something went wrong causing them to lose money, you may be liable to pay them compensation. Professional indemnity insurance can offer protection against these eventualities, and give you peace of mind knowing that should something unexpected happen, you’re covered.
Commercial legal protection
Legal protection is a crucial element of your groundworker insurance to offer financial protection against a number of defined events. For instance, it can cover the cost of a tax or VAT investigation by HMRC, and can also cover incidents such as employment disputes and contract disputes.
Groundworker van and vehicle insurance
A van or a fleet of vehicles could be a crucial part of your business; whether it’s for site deliveries, tools, or even just getting to and from your worksite daily. You may also have special requirements for vehicles that have special modifications or built-in equipment such as lifts and hoists. We understand the need for quality cover that gives you peace of mind. Take a look at our commercial van insurance page to find out more about van insurance for groundworkers.
Groundworkers insurance FAQs
What insurance covers do groundworkers need?
At Premierline, we offer flexible groundworkers insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:
- Groundworkers public liability insurance
- Employers’ liability for groundworkers
- Groundworkers personal accident cover
- Contract works, plant, equipment and tool cover
- Groundworkers professional indemnity cover
- Commercial legal protection
- Van and vehicle cover
I require specialist cover related to my trade, can you help?
It may be your business requires specialist cover related to higher risk activity you may undertake, for example, we could access specialist covers which are designed to protect you working at unrestricted heights and depths. Our relationships with specialist construction insurers means we can access insurance protection that you may struggle to find easily elsewhere.
How much does groundworkers insurance cost?
The cost of groundworkers insurance depends on a variety of factors including the size of your business, the jobs that you take on and the types and level of cover required. Get a personalised quote online or contact one of our business insurance specialists to find out how much your groundworkers insurance might cost to protect yourself and your business from unforeseen circumstances.
Why choose Premierline to arrange your groundworkers insurance?
Our construction and building insurance trained experts understand the risks you face and have access to specialist A-rated insurance providers who can protect your business, providing you with the peace of mind that the policy meets your needs today.
By speaking with an insurance professional at Premierline, you’ll be able to discuss your insurance needs and get advice on the different insurance covers that can protect all aspects of your construction activity. They’ll be on hand to assist with any queries you have whilst keeping the terms and conditions of your policy easy to understand.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline for your scaffolding insurance?
We're contractor insurance experts
- We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning serviceWe're trusted by thousands of SMEs across the UK
- Comprehensive protectionWe can help with all your commercial insurance needs
- UK based expertsLocated in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Amazing service as usual. They provided me a competitive insurance premium for another year and made it simple for me to renew my insurance. Easy to contact and speak to a knowledgeable person on the phone. Ive already recommended Premierline to friends.”
Builder
Customer since December 2021
Our independent customer reviews
Speak to a groundworker insurance expert
Working in a variety of locations on a variety of jobs means that groundworker insurance is a must. We understand the time pressures of running your own business which is why we’ve made it easy for you to compare quotes online from some of the UK’s leading insurers.
If you’re looking for some additional advice on which covers you need most then give us a call. We provide professional insurance advice over the telephone to help you find the right cover at the right price for your livelihood.
Start a Quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Related groundworkers insurance articles on the Insight Hub
Explore the new relationship between Premierline and the Scaffolding Association, aimed at delivering bespoke protection to members.
Learn how to manage construction site risks. Identifying the hazards and securing the site to create a safe environment.
A look into professional indemnity insurance for the construction industry, exploring what it does and what it costs
Learn how to prioritise scaffolding safety on site, with our top tips for managing common scaffolding hazards, to help you create a safer work environment.
Learn what to expect during a construction site inspection, how to prepare with a checklist, and why contractor insurance is vital for protecting your site from unexpected risks.
Buildings that contain asbestos can pose a serious risk, which is why it’s important to manage risk when working around or removing asbestos.
A risk management guide to identifying and mitigating the risks of water at construction sites.
Working from heights is the main cause of Injury and fatality within the construction industry. We speak to the experts for tips on how to minimise risks.