What is ground workers insurance?
There are many challenges when you work in the trade industry, but there are even more so to contend with when you work as a ground worker. In your line of work, you know that every day brings with it a whole new set of risks you’ll have to do battle with, which means it’s vital to ensure you have the correct insurance in place. None of this generic business insurance rubbish though – you need a policy designed specifically around your trade.
Why do you need ground workers insurance?
At Tradesman Saver, we know how important specialist insurance is in the trade industry. That’s why we’ve used our time in the industry learning from businesses like yours, to create an insurance policy that’s not only made for ground workers but designed by ground workers like yourself too. Tailor your ideal policy with our online quote form and find out what Tradesman Saver can do for you.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Tradesman Saver’s Public Liability Cover For Ground Workers
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your ground workers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a ground workers business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a ground worker and you can get your quote online in minutes.
Don’t Let Your Business Get Caught Out By An Accident
When you’ve worked so hard to build your ground working business from the ground up, it’s essential that you keep it protected from any accidents that come your way. Here are just a few examples of situations where insurance could help you out of a bind:
A construction site disaster
You’re preparing the foundation of a new extension that’s going to be built. Unfortunately, during the duration of the project, the property the extension is being attached onto catches on fire, and it burns all the ongoing construction on the extension. This is where your contractor’s all risks insurance can give you a helping hand – it’ll pay to have the work re-done or repaired, so you can keep things running on schedule, without paying out of your own pocket.
The problem with power tools
You’re working a site with some of your employees, preparing the foundation for a new home to be built. Unfortunately, while you’re hard at work, one of your employees trips over the cable of a power tool and breaks their wrist. They decide to claim compensation against you. Your employer’s liability insurance will pick up the pieces here – it’ll cover the costs of the compensation for you, so you can focus on keeping the project running on time.
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