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Utilities & Groundworks Contractors Insurance

Specialist Insurance for the Contracting Industry

Utilities & Groundworkers are responsible for various tasks related to preparing building sites, including laying cables, excavation, drainage, foundation work, and other groundwork activities.

Having the right insurance cover is essential to protect against potential risks and liabilities associated with the trade.

Types of Utilities & Groundworks Contractors Insurance

  • Public Liability Insurance: Public Liability Insurance is essential for groundworkers. It provides coverage for claims made by third parties (such as clients, suppliers, or members of the public) who may suffer injury or property damage due to the work carried out by the groundworker. This insurance covers legal fees, settlements, and compensation payments.
  • Employers’ Liability Insurance: If you employ staff, Employers’ Liability Insurance is a legal requirement in the UK. It provides coverage for claims made by employees who suffer work-related injuries or illnesses. This insurance is mandatory for most employers and helps cover the costs of legal defence and compensation.
  • Contractor’s All Risks (CAR) Insurance: CAR insurance is a comprehensive policy that covers a range of risks, including damage to the construction project itself, tools, equipment, and materials.
  • Plant and Machinery Insurance: Groundworkers often use various types of heavy machinery and equipment. Plant and machinery insurance provides coverage for damage, theft, or loss of these valuable assets.
  • Commercial Fleet Insurance: Groundworks contractors often use vehicles for transportation of equipment and materials. Commercial motor insurance provides coverage for these vehicles, including liability and physical damage coverage.

For expert insurance advice please call us 01277 844 360

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