Do I need insurance as a groundworker?

If you are a ground worker, you should have ground worker insurance to protect you against risks that may cause injury. Every day, your job will present risks.

If you think about it, you will realise that liability insurance is quite important. You will be facing hazards on all sorts of jobs you undertake.

Such as laying foundations on a new build or laying cables or pipes with a deep excavation.

Why have ground worker insurance?

Groundwork insurance policies are tailored to suit the type of work you undertake. Sometimes, you can only minimise the risk but cannot control the unexpected.

So it is up to you to have insurance coverage in place. For example, when transporting heavy goods, you should be covered for any damage.

Thus protecting you from possible financial problems. Tools and equipment are vital for your job, so they should be protected against damage, loss, and theft.

Your income and livelihood are fully protected if you have the right cover.

You work in high-risk situations every day, such as unloading heavy slabs, using cranes, or working close to gas pipes and power cables.

Even if you follow the health and safety guidelines, accidents will happen, so protection is essential.

How to get the right insurance

When taking out cover, you should speak to a professional advisor. You must be honest with them, so they can arrange tailor-made cover for your business.

Also, remember that any discrepancies could invalidate your policy.

Standard types of cover:

• £10 Million Employers' Liability
• £100,000 Financial Loss
• £5 million Public and Products Liability
• £100,000 Professional Negligence

 

A range of optional extras can be added to your policy to give you extra protection. These include all risks concerning contract works, personal and hired tools, employee tools, and defective workmanship.

Get expert financial advice

It is crucial to have protection in place. Still, you should always seek professional advice. Ensure the cover is suitable, comprehensive, and tailor-made for your business. 

Let Regulated Advice match you with a financial advisor for expert advice.