Groundworkers and Civil Engineering Liability, Contract Works, and Indemnity Insurance
- Premiums start at £500 per annum
- Unrestricted depth limit
- High-risk trades and locations catered for
- Professional Indemnity and Liability Specialists
- Option to include Defective Workmanship and Financial Loss Extension
- All staff are UK based – No call centres
Get a quote
Whether you are self-employed or have a team of employees working for you, it is essential you have the right tools to protect your business. We are a specialist liability insurance broker who can quickly and painlessly provide you with terms from the leading insurers to enable you to make an informed decision on your insurance policy.
We are here to discuss your requirements and provide a tailored quote which will ensure that your business has the correct cover at a competitive price.
As one of the first tradesmen on-site, your role carries high levels of risk. Our experience in the industry has shown us that the activities involved are always more than just site preparation and digging a few holes, so whether you’re involved in utility works and road surfacing or concrete pouring and formwork, we have an insurance solution for your needs.
A wide range of activities catered for including:
- Concrete Pouring
- Underpinning, Piling and Basement work
- Diamond and Directional Drilling
- Drainage including design, installation, maintenance and CCTV Surveys
- Fencing, walls and associated building works
- Floor screeding
- Footpath construction
- Concrete Pouring/ Formwork / Shuttering
- Landscaping and footpath construction
- Muckaway / Site clearance
- Playground Construction including wet play areas and watercourses
- Reinforced Concrete
- Road Surfacing and Street Works
- Sports Surface Construction
- Street Lighting / Temporary Signage
- Traffic Management
- Gas, Electrical and telecoms
Submit your details for a quote
What Insurance does a Groundworker or Civil Engineering Contractor need?
Public and Products Liability Insurance covers you for bodily injury to third parties or property damage which arises in the course of your daily activities. For example, damage to a client’s premises or neighbouring property whilst you are undertaking work. Nowadays, it is becoming more prevalent for Contractors to be asked to have enhanced limits for their Contractors’ Liability Insurance. At Clarke Williams, we can provide Public Liability limits from £1,000,000 to in excess of £10,000,000.
Employers’ Liability Insurance covers you for liability arising from employees who sustain an injury or illness, during the course of their employment with you. It is a legal requirement for all employers within the UK to hold this cover and the minimum statutory limit is £5,000,000 however most insurers provide £10,000,000 as standard.
Contract Works Insurance covers work in the course of construction before it is handed over to the principal or employer, on practical completion. It can pay to repair or to redo the work that is in progress if it is damaged by an insured event like fire, flood, storm, vandalism or theft, and includes both permanent and temporary works.
Construction Professional Indemnity Insurance also known as Design and Construct Professional Indemnity, protects contractors and subcontracted specialists for errors in their work.
We can also cater for Hired In Plant, Own Plant, Tools and Commercial Fleet Insurance.
Frequently Ask Questions
Can your groundworkers’ insurance cover work at greater than 5m depths?
Yes, our groundworkers’ cover can be extended beyond 5m on request. Generally and insurers will ask for a percentage split of how deep you are likely to go and what types of works you are doing. Some of our insurers are able to offer unlimited depth cover.
Can your groundworkers’ cover include JCT contract insurance?
Yes, JCT contract insurance extensions can be added to your groundworkers’ insurance policy.
Do you cover plant on site as well?
Yes, we can extend your cover to include own plant, hired-in plant and tools.
Do you cover work on public roads?
Yes, typically these activities are seen as higher risks, but we have access to insurers who can provide liability cover for a range of activities, including highways work on road, high streets, and motorways.
Can I pay for my groundworkers’ insurance in instalments?
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months.