Groundworker Insurance

Why Choose Howden for Groundworkers Insurance?

Howden is the new name for Primo.

When it comes to securing the right insurance for your groundwork business, Howden takes pride in simplifying the process. As a trusted insurance broker, we leverage our strong partnerships with leading construction and trade insurers to compare multiple policies, ensuring a quick and seamless experience. Our goal is to handle the details so you can focus on what matters most—completing your projects safely and efficiently.

We understand that every ground-working business has unique needs, which is why we provide a personalised service. Whether you require comprehensive liability cover or a specialised policy, we take the time to understand your specific requirements, ensuring that your insurance package is tailored to fit.

At Howden, we’re here for you—whether you need to secure a new policy, renew existing coverage, or make a claim. We’re committed to offering the support and peace of mind you need so you can focus on delivering high-quality work and protecting your business from unforeseen risks.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
• We leverage our relationships with top UK insurers to secure the best rates for our clients.
• Our dedicated team is committed to providing exceptional service.

Groundworkers and Civil Engineers' Insurance: Protect your projects with Howden

Groundworker insurance is tailored to meet the unique needs of professionals in the fields of groundworking, civil engineering, and allied trades. These sectors involve a range of specialised tasks, such as excavation, drainage, paving, and site preparation, which come with inherent risks. For instance, if a groundworker accidentally damages a client's property during excavation, the right insurance coverage can protect them against potential liabilities and financial losses.

Comprehensive Groundwork coverage for diverse tasks:

Groundworkers insurance offers comprehensive cover for various activities and risks encountered in these trades. It typically includes:

• Public Liability Insurance: protects against claims filed by third parties for injuries or property damage arising from work activities. This cover is vital when working on client sites or in public areas.
• Employers' Liability Insurance: legally required for businesses with employees, employers' liability insurance covers claims from employees for work-related injuries or illnesses. It ensures compliance with UK laws and provides financial protection for employers.
• Contract Works Insurance (CAR): covers ongoing construction projects against damage or loss due to specified perils such as fire, theft, vandalism, and accidental damage. This includes damage to materials, equipment, temporary structures, and the worksite, ensuring your project can continue despite unexpected events.
• Tools and Equipment Insurance: covers and protects essential tools, machinery, and equipment for ground-working and civil engineering tasks. It helps cover repair or replacement costs in case of damage, theft, or loss.
• Professional Indemnity Insurance (PI): this type of insurance is recommended for civil engineers and consultants. It covers claims of professional negligence, errors, or omissions in design or consultancy work. In other words, if a client suffers a financial loss due to a mistake in your professional advice or service, PI insurance can provide financial protection against legal liabilities and compensation claims.

Broker expertise for tailored coverage:

Our experienced brokers don’t just arrange insurance for groundworkers and civil engineers. We work closely with carefully selected, A-rated UK insurers to ensure our clients receive robust coverage from reputable providers. By understanding the unique risks and challenges groundworkers and civil engineers face, we tailor insurance solutions that meet specific business needs, project scopes, and regulatory requirements. We aim to make you feel valued and understood, providing a service as unique as your business.

Benefits of working with our brokers:

• Personalised Service: Our brokers provide personalised service, conducting thorough assessments of your business activities, risk profile, and insurance needs.
• Market Access: We have access to a vast network of A-rated UK insurers, allowing us to source competitive quotes and comprehensive cover options.
• Risk Management Guidance: We offer proactive guidance to help mitigate potential risks, improve safety practices, and reduce insurance claims. This includes regular safety audits, advice on best practices, and assistance in implementing safety measures to reduce the likelihood of incidents that could lead to insurance claims.
• Claims Support: In the event of a claim, our team is here to provide dedicated support throughout the claims process. We understand that this can be a stressful time, and we aim to ensure prompt resolution and minimal disruption to your business operations, giving you the confidence to focus on what you do best.

By partnering with our brokerage, groundworkers and civil engineers can confidently focus on their projects, knowing they have the proper insurance protection. Without this protection, a single accident or claim could result in substantial financial losses, legal disputes, and even the closure of your business.

Features & benefits:

• Unrestricted Height & Depth
• Hazardous Locations Considered
• Turnover & Wage Roll Basis
• Favourable Terms for Well-Managed Businesses
• Statement of Fact
• Security: Lloyd’s 100% A Rated
• Optional Cover Extensions
• Asbestos accidental discovery
• Asbestos non-licensed
• Professional indemnity
• Defective workmanship

Additional insurance:

• Excess of loss liability
• Contractors all risks & plant
• Contractors premises
• Directors & officers liability (D&O)
• Professional indemnity – design & construct

Contact us:

For tailored insurance guidance and assistance in choosing appropriate coverage, reach out to our team of knowledgeable brokers. We’re here to guide you through insurance complexities and secure comprehensive protection.