Specialist insurance for professional groundworks contractors.Start your quote
Cover for your business, staff, tools and equipment
Quick online quotes in less than 90 seconds
Rated 4.7 out of 5 by our customers on Feefo
A groundworks contractor is a construction professional who prepares the ground ready for building work to begin. The very nature of their role means they are typically one of the first contractors on-site.
Key parts of a groundworkers role includes installing drainage systems, concreting, de-vegetation of overgrown areas, and being able to interpret designs and plans so as to prepare the ground correctly.
Groundworks contractors will often be on-site throughout a building project and will finish off the ground after the build has completed, by installing driveways and footpaths.Start your quote
Our tradesman insurance for groundworkers is a range of different policies – led by public liability insurance – that offers protection for you and your business from compensation claims due to accidents and injury to members of the public, or due to accidental damage to property.
We offer two levels of cover for depths of 1 metre and 2 metres.
As a groundworks contractor, you work at client’s homes or on constructions sites. Each of which exposes you to members of the public, such as your client and other contractors. As a result, the trenches and other groundwork you undertake can become a liability for them, which is why you could benefit from our tradesman insurance.
Examples of why groundworkers could need insurance include:
As trades insurance experts, we're your number one choice for your business protection.
Trusted by over 23,000 clients for their business insurance.
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Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
Select a product to find out more and get a quote.
At Caunce O’Hara we offer the opportunity to tailor your insurance to meet your needs, including:
Alleged responsibility for an accident to the member of the public – If someone has an accident that you are alleged to have caused, such as someone falls in a trench that is not properly signposted, then you could face a compensation claim. Public liability insurance will cover your legal fees and compensations claims..
Personal injury – Working with cutting tools, plant machinery, trenches and heavy construction materials can pose a health and accident risk. Personal accident insurance offers cover for your loss of earnings.
Theft or damage to your tools and trade materials – Your essential tools, equipment or materials are stolen from your work van. Tools insurance can help get you back on track with a minimum of fuss.
Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:
Quick online quotes
Complete our simple online quote form and get a quote in as little as 90 seconds.
Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.
Platinum rated customer service
Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.
Over 25 years’ experience
We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.
The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our public liability insurance for caretakers starts from £150.75* for £1million of annual cover, which we think represents real value for money.
* Price quoted is inclusive of Insurance Premium Tax at the current rate, and based on a domestic/small commercial air conditioning installer with 1 employee, 5+ years trading and no claims in the last 3 years.
As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:
The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.
|Insurance policy||Lowest excess||Highest excess|
|Public liability insurance||£250||£250|
|Employers’ liability insurance||£0||£0|
|Tools & trade materials cover (can only be purchased with the public liability policy)||£250||£250|
|Personal accident insurance||£0||£0|
|Professional indemnity insurance||£250||£500|
Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ, or affect the price.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch