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.