Groundworkers Insurance

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Groundworkers Insurance

BJP is a wholly independent insurance broker specialising in Groundworkers Liability Insurance and insurance for the construction industry in general.

Are you a groundworker looking for insurance to cover you against the hazards of the trade? Maybe you’re just setting up by yourself, or an incident has made you aware that you need a more robust Groundworkers Insurance plan. Either way, we’re here to help. As a fully independent insurance broker, we can find you a comprehensive Groundworkers Insurance package to suit your unique needs.

We have a wide variety of insurance plans to protect you, your clients and contractors against a multitude of risks. Because we specialise in insurance and have established relationships with several of the UK’s leading insurers, we can tailor a Groundworkers Liability Insurance plan to your requirements.

What is Groundworkers Insurance?

As a groundworker – whether you’re self-employed or run a company with full- or part-time staff – you run risks particular to your line of work. These can range from errors in construction or excavation to cyber theft of sensitive client data.

Some of the hazards you face will be more obvious to you than others. That’s why it’s a good idea to buy your Groundworkers Liability Insurance through an independent broker like BJP. We can help you understand hazards you might not have identified, and make sure you know how to minimise them, as well as insuring you against them.

Groundworkers Insurance protects you on several fronts, combining various covers to offer you a single, comprehensive plan.

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Groundworkers Insurance

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Some examples of how Groundworkers Insurance works

Groundworkers Public Liability Insurance. Your job requires the use of potential dangerous tools and machinery. Imagine if these were left unattended by one of your employees and resulted in a child injuring or even killing themselves. Public Liability is one of the most important types of insurance for groundworkers.

Groundworkers Employers Liability Insurance

A legal requirement for groundworkers employing staff, this kind of cover protects business owners against claims relating to accident, illness or death made by their own employees (or employees’ families). This could be as a result of anything from toxic exposure to inadequate training.

Groundworkers Professional Indemnity Insurance

Groundworkers are an essential part of any construction project. You coordinate with various other professionals and offer them advice. This makes you vulnerable to claims of negligence arising from errors or omissions – either of which could result in the injured party taking legal action against you.

Groundworkers Directors & Officers Liability Insurance

This protects business owners, partners and managers in the case where claims are made against them as individuals. Imagine if a person in authority made a professional decision that later caused the collapse of a building. That individual’s home, car and livelihood could be at stake without the right insurance in place.

E-risks insurance

You might think this only applies to companies with sophisticated IT systems in place – but simply holding clients’ details on a computer, or sending invoices by email, could leave you vulnerable to a costly cyber attack. More and more businesses are realising they can’t afford to take that risk, groundworkers included.

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What other insurance for groundworkers should be considered?

In addition to Liability Insurance, you should consider other business assets and activities that should be protected. At BJP, we’re happy to work with you to understand the full extent of the risks your business runs, and to ensure all aspects are adequately covered. You may want to consider:

  • Tools Insurance
  • Contract Works/Contractors All Risks Insurance
  • Commercial Vehicle Insurance
  • Motor Fleet Insurance
  • Office Insurance
  • Tax & VAT Investigation Fee Protection
  • Legal Expenses Insurance

Useful Links

Civil Engineering Contractors Association (CECA)
Institute of Civil Engineers