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What is groundworkers’ insurance?
Groundworkers’ insurance, also known as civil engineering insurance, is a form of contractors’ insurance tailored to meet the needs of the groundworks industry. Civil engineers’ and groundworkers insurance normally includes public liability, employers’ liability, personal accident and sickness, health and safety insurance as well as many other forms of protection.
Civil engineering can be a complex and dangerous industry that involves a lot of professional responsibility, which is why it’s so important to take out a dedicated insurance policy. Here at 1st Choice Insurance, we can provide groundworker insurance and related products designed to meet the needs of your business.
Who needs groundworkers’ insurance?
Groundworkers’ insurance is recommended for anyone who performs groundwork and civil engineering projects on a professional basis. Whether you’re digging a single cable in the suburbs or undertaking a large-scale civil project for the city council, trustworthy and professional insurance protection is an absolute must. A groundworker insurance policy can protect you if you accidentally rupture a water pipe or dig through a mains cable. With the right coverage, you can even stay protected and avoid a substantial claim for damages if a customer were to fall into an unmarked trench, although the policy is not a substitute for legally mandated health and safety measures.
Groundworkers and civil engineering trades cover a wide variety of jobs, including concrete placing, paving, haulage, directional drilling, formwork, heavy plant hire, concrete work, road construction and maintenance, shuttering, steel fixing, site clearance, road surfacing, and many others. Civil engineering projects can be complex, difficult to manage, and highly risky. While some of the things that complicate large-scale projects are out of your control, insurance is one area where you should always remain in charge. Groundworkers insurance from 1st Choice Insurance gives you an unparalleled level of control and flexibility.