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"Having the entire crew insured correctly was our main concern."

At Primo, we like all our clients to feel this way

Groundworker Insurance

Groundworkers and Civil Engineers' Insurance

Groundworkers insurance was designed for a wide range of groundworking, civil engineering and allied trades. Our brokers will arrange insurance for groundworkers with carefully selected, A rated, UK insurers

Arranged by Primo

Required Insurance

Groundworkers and Civil Engineers are usually the first of all the trades to enter a construction site and are more often than not the last trade to leave. When working in a high-risk industry it is essential to have the correct level of insurance. Having the correct protection is a crucial necessity and one that should be looked at very thoroughly.

We can arrange a variety of insurance options to suit most businesses and contractors.

Groundworkers insurance and Civil Engineering liability insurance is designed for a wide range of Allied trades.

  • Public Liability

    May cover you for financial loss and legal costs resulting from a compensation claim successfully brought against you by a third party for injury or damage to property where you are found responsible.

  • Employers Liability

    Most employers are legally obliged to take out an employers' liability policy whther your staff are full or part-time, paid or voluntary.

Start the Quote Process

Click to call or use our online form out of hours to get your groundworkers insurance quote started, your assigned broker will be in touch shortly after.

Features & Benefits

  • Unrestricted Height & Depth
  • Hazardous Locations Considered
  • Turnover & Wage Roll Basis
  • Favourable Terms for Well Managed businesses
  • Statement of Fact
  • Security: Lloyds 100% A Rated

Optional Cover Extensions

Click a listed cover option for more information such as why you may or may not need this extra cover.

Additional Insurance

  • Excess of loss liability
  • Contractors all risks & plant
  • Contractors premises
  • Directors & officers liability (D & O)
  • Professional indemnity - design & construct
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Your Broker

Always speak to a real person. You will have an assigned broker.
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Our brokers ensure obtaining your insurance is simple and straightforward
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Correctly covering your business gives you great peace of mind.

Areas Covered

  • Groundworkers
  • Athletic surfaces
  • Barrier installation
  • Concrete formwork
  • Concrete pouring
  • Diamond drilling
  • Directional drilling
  • Drainage
  • Earthmoving / earthworks / gabion walls
  • Excavations
  • Fencing
  • Floor screeding
  • Footpath construction / surfaces
  • Foundations
  • Formwork / shuttering
  • Golf course construction
  • Ground field solar
  • Highway maintenance
  • Kerbing
  • Landscaping
  • Muck away
  • Paving
  • Pipe laying
  • Plant hire
  • Playground construction / maintenance
  • Reinforced concrete and ground floor slabs
  • Road surfacing
  • Road works
  • Site clearance / preparation
  • Soil remediation / testing
  • Sport surface construction
  • Street lighting / temporary signage
  • Surfacing
  • Swimming pool installation
  • Tarmac surfacing
  • Traffic management
  • Utilities installation
  • Associated works - brickwork, blockwork, building etc

Frequently Asked Questions

  • Do I need public liability insurance?

    Whilst not a legal requirement we highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.
  • Is business insurance a legal requirement?

    Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

    The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.

  • Can I pay in monthly instalments?

    You can pay monthly subject to your status and the size of the premium the credit charge and terms will vary.
  • What if I need to change my level of cover?

    As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.

  • If I need to make a claim who should I contact?

    First and foremost always contact your insurer, should you need assistance or advice following that call speak to your broker who will be happy to assist you where they can.

Small commercial vehicle - fleet insurance

Business Vehicles

Comprehensive, third party, fire & theft or third party only cover arranged for your business' vehicles or commercial fleet.
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Plant and Machinery

Consider adding annual insurance cover for owned or hired-in plant and machinery to your business cover.
Shop open sign - commercial property insurance

Commercial Property

Do you need commercial property insurance in addition to liability cover? We can also arrange as a standalone policy.

Let's get you covered as quickly and simply as possible

Groundworkers Insurance Optional Cover Extensions Explained

Brief desciptions on the cover extensions offered by our markets for those that are covered under groundworkers.
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Asbestos accidental discovery

Upon the accidental discovery of asbestos or materials containing asbestos fibre, this extension will indemnify the Insured for all liability arising out of such work provided that immediately upon detection all handling, removal, transportation or disposal of asbestos or materials containing asbestos fibre ceases.

Asbestos non-licensed

As we would possibly need a whole page to cover this topic please refer to your broker or policy wording on what the cover actually protects you for.
Asbestos danger sign on fence
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You no doubt have a good working relationship with your clients. However, a mistake in a project can change working dynamics overnight. Chances are that if your client suffers a financial loss as a result of your negligence, they'll likely seek compensation.

Defective workmanship

This can often cause confusion to anyone working outside insurance. Basically it covers for injury or loss due to a fault in the work carried out but does not cover damage or loss on the part or parts worked on.
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Need help?

Call us at 01702 225 440

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