Groundworkers Insurance
Protect your groundworks business from excavation damage claims, plant equipment theft and on-site injuries with specialist cover.
Get in touchWhat is groundworkers insurance?
Groundworkers insurance is a specialist trade policy that covers contractors carrying out excavation, foundations, drainage, concreting and other below-ground construction work. It typically includes public liability, employers liability and plant equipment cover.
Groundwork is among the riskiest phases of any construction project. Excavating near existing foundations and buried services creates liability risks that can result in substantial claims.
Find cover options from specialist insurers who specialise in covering groundwork contractors, so your policy reflects the heavy plant and deep excavations that define your trade.
Public Liability
Covers claims for property damage or injury caused by your groundwork activities.
Employers Liability
Required by law if you employ staff, covering workplace injury and illness claims.
Tools and Equipment
Covers your mini-diggers, dumpers, compactors and specialist groundwork equipment.
Commercial Vehicle
Covers your transport vehicles used to move plant between sites.
Who needs groundworkers insurance?
Foundation contractors
Digging and pouring foundations for new buildings
Excavation specialists
Carrying out bulk and detailed excavation work
Drainage contractors
Installing below-ground drainage for new developments
Concreting contractors
Laying foundations, floors and hardstanding
Piling contractors
Installing driven or bored piles for structural foundations
WHY CECIL
Built differently.
Cover for excavation risks
Excavation near buildings and services is inherently risky. Cecil finds insurers who cover groundworkers specifically.
Plant equipment protected
Mini-diggers, dumpers and compactors represent a significant investment. Cecil ensures your plant is covered against theft and damage.
Specialist insurers, fair prices
Groundwork insurance requires specialist market knowledge. Cecil works with insurers who price the risk based on your specific activities.
Claims support for complex situations
Groundwork claims often involve damage to foundations and services. Cecil partners with insurers experienced in resolving these disputes.
Common questions about groundworkers insurance
Do groundworkers need public liability insurance?
Public liability is essential for groundworkers due to excavation and heavy plant risks. Most main contractors will not allow you on site without it.
What level of public liability do groundworkers need?
Most groundworkers carry between £2m and £10m. Main contractors typically require at least £5m.
Does groundworkers insurance cover damage to underground services?
Yes, accidental damage to buried cables, pipes and services during excavation is typically covered under public liability.
Do I need plant insurance for my mini-digger?
Plant cover protects your machinery against theft, accidental damage and breakdown. Given the high value of groundwork plant, this cover is essential.
Interested in Groundworkers insurance?
We will be in contact when Cecil launches.