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Compare groundworkers insurance quotes

In a high risk profession, protecting against the unexpected is essential. Dealing with excavations on a daily basis comes with many risks meaning you need groundworkers insurance in case something goes wrong. With so many options available, finding the right cover at the right price can be challenging. That’s why we compare quotes from some of the UK’s leading insurers to make arranging your insurance simple and hassle free.

We have many years’ experience arranging groundworkers insurance and contractors insurance meaning we understand the covers you need most. It’s simple to protect your business online in just a few minutes if you know the covers you need, or if you’re looking for professional advice then our expert advisors can make recommendations tailored to your requirements.

Call us today for some professional insurance advice or compare quotes and purchase your groundworker insurance online today.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

Start your insurance quote:

For advice:   
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Protecting your groundworks business

Anyone working on-site will understand the risks involved and the need for comprehensive protection against the unexpected. Without the right cover in place, you could be financially exposed if something goes wrong. Groundworkers insurance can incorporate a number of covers tailored to you to give you peace of mind to focus on the job in hand.

Covers for 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.

Employers' liability insurance

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.

Tool and plant cover for groundworkers

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.

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.

Legal protection for groundworkers

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.

Comprehensive groundworkers insurance

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 coves 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.


As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.

Covers to consider:

  • Public liability
  • Employers' liability
  • Contract works, tool, plant and equipment
  • Hired in plant and temporary buildings
  • Personal accident
  • Commercial legal expenses
  • Business interruption

Start your insurance quote:

For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)