Ground Worker Insurance - Frequently Asked Questions
Why do I need Ground Worker insurance?
Ground worker insurance is essential for all ground workers and associated trades. The ground workers insurance policy from Constructaquote.com combines both public and employer's liability insurance, protecting your business against liability claims from both members of the public and members of staff.
How do I get a policy?
At Constructaquote.com we strive to make the purchase of your ground workers insurance policy as straightforward as possible. Once you have filled in your risk details, we will compare ground worker insurance quotes from our panel of insurers.
We will deliver these quotes in a clear manner that allows you to make an informed decision and select the policy that best suits the needs of your company
What is public liability insurance and employers liability insurance?
Public liability insurance for ground wokers covers your business against third party bodily injury or property damage claims resulting from your business operations.
Employer's liability insurance is compulsory by UK law. As a business, if you employ any member of staff, whether it is a contractor, sub-contractor, member of staff or temporary member of staff, it is essential that you have employer's liability insurance. The penalty for not having this in place is up to £2,500 for every day you employ someone without cover.
What levels of indemnity do you offer under a Ground Worker liability insurance policy?
We provide £10 million cover for employers liability. For public liability, we offer indemnity limits of £1 million, £2 million or £5 million.
If you feel your business requires a higher level of public liability cover, please contact one of our dedicated account handlers on 08081 686868
How does the temporary employee benefit work?
If you take a ground workers liability insurance policy (a combined public and employers liability policy), you will be automatically entitled up to 50 days of temporary employee cover.
How does the health and safety discount work?
If you can prove that you have a good health and safety record, you could be entitled to a further discount on your ground workers insurance policy. For more information on this, please call one of our dedicated account handlers on 08081 686868.