Insurance for GroundworkersInsurance
Focus Insurance provides specialist groundworkers insurance with cover for public liability, employers liability, plant and equipment, and more. Tailored for excavation contractors, civil engineering firms, and groundwork specialists.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.
Insurance Solutions for Groundworkers
We arrange a range of insurance products tailored to the specific needs of your trade.
Public Liability
Protection against third-party injury and property damage claims arising from groundwork operations
Learn moreEmployers Liability
Mandatory cover for employee injury and illness claims on site
Learn morePlant & Equipment
Cover for excavators, compactors, and other groundwork machinery
Learn moreTools & Equipment
Protection for hand tools, surveying equipment, and portable machinery
Learn moreContract Works
Cover for materials and work in progress on client sites
Learn moreProfessional Indemnity
Protection against claims of professional negligence in groundwork design or execution
Learn moreUnderstanding Your Risks
Every trade has unique exposures. Here are the key risks we help groundworkers protect against.
Ground Instability
Subsidence, ground collapse, and soil movement risks
Utility Strikes
Incidents involving gas, water, electricity, and telecommunications
Trench Collapse
Excavation accidents and confined space incidents
Equipment Failure
Machinery breakdowns and mechanical failures on site
Environmental Contamination
Pollution and contamination of soil and groundwater
Neighbour Disputes
Property damage and boundary-related claims
Why Choose Specialist Trade Insurance?
Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.
- Specialist groundwork industry expertise and claims handling
- Cover for all common groundwork operations and techniques
- Flexible policy terms for seasonal and project-based work
- Emergency breakdown support and site assistance 24/7
- Tailored cover for specific groundwork risks and hazards
Information for Your Quote
- 1Type of groundwork operations (excavation, drainage, foundations, etc.)
- 2Average annual turnover and contract values
- 3Number of employees and subcontractors
- 4Details of main clients and typical project sizes
- 5Safety procedures, certifications, and qualifications
- 6Claims history for the past 5 years
Frequently Asked Questions
What's included in groundworkers public liability cover?
Do I need employers liability if I'm self-employed?
Is utility strike cover included?
What happens if my equipment breaks down on site?
Insurance for Other Trades
Ready to Protect Your Business?
Get in touch with our team for a no-obligation quote tailored to your trade.
Monday – Friday, 9:00am – 5:00pm