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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

Groundworker insurance is tailored to meet the unique needs of professionals in groundworking, civil engineering, and allied trades. These sectors involve a range of specialised tasks, such as excavation, drainage, paving, and site preparation, which come with inherent risks. For instance, if a groundworker accidentally damages a client's property during excavation, the right insurance coverage can protect them against potential liabilities and financial losses.

Arranged by Primo

Comprehensive Coverage for Diverse Tasks:

Groundworkers insurance offers comprehensive coverage for various activities and risks encountered in these trades. It typically includes:
  1. Public Liability Insurance: Provides protection against claims filed by third parties for injuries or property damage arising from work activities. This coverage is vital when working on client sites or public areas.
  2. Employers' Liability Insurance: Legally required for businesses with employees, employers' liability insurance covers claims from employees for work-related injuries or illnesses. It ensures compliance with UK laws and provides financial protection for employers.
  3. Contract Works Insurance (CAR): Covers ongoing construction projects against damage or loss due to specified perils such as fire, theft, vandalism, and accidental damage. This includes damage to materials, equipment, temporary structures, and the worksite itself, ensuring that your project can continue despite unexpected events.
  4. Tools and Equipment Insurance: This coverage protects essential tools, machinery, and equipment used in groundworking and civil engineering tasks. It helps cover repair or replacement costs in case of damage, theft, or loss.
  5. Professional Indemnity Insurance (PI): This type of insurance is recommended for civil engineers and consultants. It covers claims of professional negligence, errors, or omissions in design or consultancy work. In other words, if a client suffers a financial loss due to a mistake in your professional advice or service, PI insurance can provide financial protection against legal liabilities and compensation claims.

Broker Expertise for Tailored Coverage:

Our experienced brokers don't just arrange insurance for groundworkers and civil engineers. We work closely with carefully selected, A-rated UK insurers to ensure our clients receive robust coverage from reputable providers. By understanding the unique risks and challenges groundworkers and civil engineers face, we tailor insurance solutions that meet specific business needs, project scopes, and regulatory requirements. Our aim is to make you feel valued and understood, providing a service that is as unique as your business.

Benefits of Working with Our Brokers:

  1. Personalised Service: Our brokers provide personalised service, conducting thorough assessments of your business activities, risk profile, and insurance needs.
  2. Market Access: We have access to a vast network of A-rated UK insurers, allowing us to source competitive quotes and comprehensive coverage options.
Risk Management Guidance: We offer proactive guidance to help mitigate potential risks, improve safety practices, and reduce insurance claims. This includes regular safety audits, advice on best practices, and assistance in implementing safety measures, which are aimed at reducing the likelihood of incidents that could lead to insurance claims.
Claims Support: In the event of a claim, our team is here to provide dedicated support throughout the claims process. We understand that this can be a stressful time, and we aim to ensure prompt resolution and minimal disruption to your business operations, giving you the confidence to focus on what you do best. By partnering with our brokerage, groundworkers and civil engineers can confidently focus on their projects, knowing that they have the proper insurance protection in place. Without this protection, a single accident or claim could result in substantial financial losses, legal disputes, and even the closure of your business.
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

Contact Us

For tailored insurance guidance and assistance in choosing appropriate coverage, reach out to our team of knowledgeable brokers. We're here to guide you through insurance complexities and secure comprehensive protection.
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Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.

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

Groundworkers and Civil Engineers Insurance FAQ: Comprehensive Coverage for Your Construction Projects | Primo

  • What is Groundworkers and Civil Engineers Insurance in the UK?

    Groundworkers and Civil Engineers Insurance in the UK is a specialised insurance policy designed to provide coverage for professionals in groundworking, civil engineering, and related trades.
  • Why is insurance important for groundworkers and civil engineers in the UK?

    Insurance is crucial for these professionals as it protects against various risks, including third-party claims, property damage, injuries, and legal disputes that may arise during construction projects.
  • What are the core components of Groundworkers and Civil Engineers Insurance?

    The core components typically include public liability insurance, employers' liability insurance, contract works insurance (CAR), tools and equipment insurance, and professional indemnity insurance (PI).
  • Is public liability insurance mandatory for groundworkers and civil engineers in the UK?

    Yes, public liability insurance is often mandatory for these professionals as it covers claims from third parties for injury or property damage caused during work activities.
  • What does employers' liability insurance cover for groundworkers and civil engineers?

    Employers' liability insurance covers claims from employees for work-related injuries or illnesses. It is a legal requirement for businesses with employees in the UK.
  • Does Groundworkers and Civil Engineers Insurance cover damage to ongoing construction projects?

    Yes, contract works insurance (CAR) covers ongoing construction projects against damage or loss due to specified perils such as fire, theft, vandalism, and accidental damage.
  • Are tools and equipment covered under Groundworkers and Civil Engineers Insurance?

    Yes, tools and equipment insurance is typically included in these insurance policies, protecting against damage, theft, or loss of essential tools and machinery.
  • What is professional indemnity insurance (PI), and why do civil engineers need it?

    Professional indemnity insurance covers claims of professional negligence, errors, or omissions in design or consultancy work. Civil engineers often need PI insurance to protect against legal liabilities and compensation claims.
  • Can subcontractors be covered under Groundworkers and Civil Engineers Insurance policies?

    Yes, subcontractors can often be covered under these insurance policies, but it's important to review policy terms and arrangements with insurers or brokers.
  • How can groundworkers and civil engineers reduce insurance costs without compromising coverage?

    Groundworkers and civil engineers can reduce insurance costs by implementing risk management practices, maintaining safety standards, and reviewing coverage levels with insurance brokers.
  • Does Groundworkers and Civil Engineers Insurance cover legal expenses for contractual disputes?

    Yes, these insurance policies often include coverage for legal expenses related to contractual disputes, legal actions, or regulatory issues arising from construction activities.
  • What are common exclusions in Groundworkers and Civil Engineers Insurance policies?

    Common exclusions may include deliberate acts of damage, wear and tear, faulty workmanship not resulting in damage, terrorism (may require separate coverage), and specific high-risk activities.
  • Can Groundworkers and Civil Engineers Insurance cover losses due to cyber attacks or data breaches?

    Yes, some policies may offer optional coverage for cyber liability, covering financial losses, legal expenses, and damages resulting from cyber attacks, data breaches, or privacy violations.
  • What role do insurance brokers play in obtaining Groundworkers and Civil Engineers Insurance?

    Insurance brokers help groundworkers and civil engineers find suitable insurance coverage by assessing risks, sourcing quotes from insurers, negotiating premiums, and providing ongoing support for claims and policy reviews.
  • Is it necessary to review Groundworkers and Civil Engineers Insurance policies annually?

    Yes, it's recommended to review insurance policies annually to ensure coverage aligns with current business activities, project scopes, regulatory changes, and risk management strategies.
  • Can Groundworkers and Civil Engineers Insurance cover losses due to natural disasters such as floods or earthquakes?

    Yes, some policies may include coverage for losses due to natural disasters, but it's important to review policy terms and specific coverages with insurers or brokers.
  • What steps should groundworkers and civil engineers take in the event of an insurance claim?

    In the event of a claim, professionals should notify their insurers or brokers promptly, provide necessary documentation and information, cooperate in the claims process, and seek guidance for claim resolution.
  • Are temporary workers or subcontractors automatically covered under Employers' Liability Insurance?

    Employers' liability insurance typically covers employees, but coverage for temporary workers or subcontractors may vary. Contractors should review policy terms or consult with insurers to ensure proper coverage.
  • Can Groundworkers and Civil Engineers Insurance cover losses due to business interruptions?

    Yes, some policies may include business interruption coverage, providing financial support for lost income, ongoing expenses, and additional costs during project downtime due to insured perils.
  • How can groundworkers and civil engineers ensure they have adequate insurance coverage for their specific projects?

    Groundworkers and civil engineers should work closely with experienced insurance brokers, provide accurate information about their business activities, project scopes, and risks, and regularly review and update insurance policies to ensure adequate coverage levels.

Other Insurance For Consideration

Commercial Fleet Insurance

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Comprehensive, third party, fire and theft or third party only cover arranged for your business' vehicles.

Plant and Machinery Insurance

Commercial property insurance headed page on a clipboard with a blue background
Consider adding annual insurance cover for owned or hired-in plant and machinery to your business cover.

Commercial Property Insurance

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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.
Asbestos danger sign on wall

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
Wooden judges gavel
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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