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Groundworkers insurance

We know insurance can be the safety net of any business. That's why we've worked hard since 1990 to provide thousands of businesses with cover.

Why choose

  • We're based in South Wales and our friendly staff are ready to assist you with your insurance needs
  • Insurance available for groundworkers from £187*
  • We offer cover allowing you to work to a depth of 5 meters 
  • Helping tradesmen insure their businesses since 1990
  • The ability to combine different types of insurance under one quote

*Based on a groundworker quoted on a tradesman liability product with a £1million limit of indemnity, no other employees...

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What is groundworkers insurance?

Groundworkers insurance is there to protect your business in the event something goes wrong. This can be the risks of working in public settings that could result in damage to third party buildings and property due to the work you are liable for.

This also applies to members of the public where if they are accidentally injured they can claim against you as you failed to meet your duty of care. You can be ordered to pay a substantial sum in compensation to the injured party.

Here at, we are able to help you find the policy that best suits your business and the risks involved. That way you can relax knowing your business is covered with groundworkers insurance that works for you.


Do I need groundworkers insurance?

There are many ways in which this kind of insurance may help to protect your business, the most important of which is to ensure that you are covered from any liability. A public liability claim could ruin your whole business

From the moment you set up in business as a groundworker, you take on a duty of care towards anyone who might come into contact with your work and its related activities. This duty of care extends towards your customers, visitors to the works you are carrying out, suppliers and members of the public at large.

What does duty of care mean? It is a well-established legal principle that you must take every reasonable care in your actions to avoid the risk of injury or property damage to anyone else.

That’s why we offer a wide array of insurance to help you cover the elements of your business that you know matter most.

What does groundworkers insurance cover?

This can depend on the elements of your business you want covered. We offer public liability insurance starting with cover of £1 million raising to £10 million depending on your business needs. We can also offer insurance that covers you to work to a depth of 5 meters. This can protect your business from claim of injury and property damage from third parties.

We offer you contractor’s all risk insurance which covers theft, loss or damage to your tools, machinery and plant and also makes provision for the cost of hiring replacement tools and equipment so that you may continue working normally until repairs are made or replacements purchased.

At we help you find cover if you have a flexible workforce, as we have access to policies that can take into account your turnover and wage bill, and not just the number of employees. However if you have a fixed workforce then we can also offer cover based on the number of employees, this means we can cover you with a flexible policy or it can be more rigid based on your company needs.

We also offer van insurance as well as plant cover and hire plant cover, allowing you to get all the cover you may need for your business as a groundworker all in one simple and easy place.


Why choose for your professional indemnity insurance?

  1. 30,000+ customers bought from us and trust with their insurance
  2. Cover that allows you to work to a depth of 5 meters
  3. Flexibility to adapt your policies throughout the year
  4. UK-based contact centre trained to help you with your insurance queries
  5. Since 1990, we've been helping businesses find the cover they need to stay protected
  6. Dedicated UK based account manager

Read our guides

Read our FAQ's

The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
It is essential to have sufficient public liability insurance cover to protect yourself and your business against claims of negligence, resulting in injury to a member of the public or damage to property. Failure to do so could result in a legal claim being brought against you and your business for damages in the event of a claim.
Before insurers quote you a premium for your policy, they will first consider a number of factors in order to determine what kind of risk you are. Such factors will include the scope, value, location and duration of the work you will be undertaking
In order to ensure that you have all of your bases covered, you may also want to consider public liability, employer's liability, van insurance and goods in transit insurance.

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