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Business Insurance For Ground Workers

We can help insure your business if you undertake the following activities out:

  • Foundations
  • Trenching
  • Re-instatement
  • Sub-structure
  • Sewer Construction
  • Basement Construction
  • All Drainage
  • Site strip out
  • Muck-away

You face a particular set of challenges and risks. Both one-man-bands and construction companies need correct business insurance policies to back them up if something goes wrong. We all know that accidents happen, lets get peace of mind that your are covered correctly and competitively going forward.

Design & Build Your Policy

When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you are working on site and you cut through underground services, or if you’re working on site and accidentally damage the site or anyone’s equipment, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy. We offer up to £10 million of cover.

Don’t Be Fooled : Protect Your Tools

You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees.

Our Experience & Relationships

We cover over 1,000 trade types, including most types of tradesmen: from stonemasons to dry-liners, from structural steel contractors to Muck-away contractors, from ductwork installers to shuttering carpenters. Just use the trade selector on our quote form to type in or select your trade.

We have over 50 years collective experience and relationships with Construction underwriting specialists which have the capacity and understanding of the industry to write and place any construction risk.

Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover.

When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.

Plant Security & Contractors All Risks

Site security – Building sites can spark the curiosity of passers by, as well as being seen as a potential to make money for groups of organised crime. When leaving the site unattended, you should consider:

  • boarding up or sealing ground-floor windows and doors, and any first-floor window with easy access via a flat-roof or trellis
  • water, gas and electricity should be suspended and turned off at the mains
  • having appropriate hazard signs in visible places
  • securing plant that could cause damage or injury such as power tools or heavy objects.

Contract Works Insurance Also Known As Contractor All Risks Insurance ‘CAR’

Is roughly defined as any works carried out by you in the execution of a contract incorporating materials, plant, tools, equipment, temporary works, temporary buildings, or any other property on or adjacent to the site for the purposes of those works. Basically this insures the whole site for such eventualities as fire, lightning, explosion, weight of snow, escape of water from fixed tanks etc. Cover may vary from insurer to insurer so please feel free to contact one of our advisers who will be happy to tell you just what is covered.

Hear more about your business cover options from our expert team Just choose the cover you’re interested in and get some expert insight into how each option can help your business.  Our team will be happy to hear from you.

Don’t forget, we at Moneycornershop.com cover all types of commercial insurance, so why not give us a call when your van, truck or fleet policies are due for renewal. Policies available for all types of trades, including those using heat. Cover is available for liability Insurance, owned or hired in plant, tools and accident sickness & unemployment cover. Policies are aimed at the sole trader or small business in the Building and Allied Trades.


Ground Workers Public Liability Insurance

Public liability insurance usually comes up first when it comes to tradesmen insurance, this cover can protect you if you’re sued because someone is injured or their property is damaged.

Money Corner Shop has the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.

You can include business buildings cover to protect your business premises, including fixtures and fittings.

  • You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
  • ​Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event – like fire, flood, storm, vandalism or theft – while it’s in progress.
  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.
  • Business legal protection insurance can cover your commercial legal expenses and the cost of legal action.

Quick Moneycornershop.com Tips
If you are self employed, it may be worth considering taking out some personal accident / sickness insurance. If for some reason you are unable to work, the bills still have to be paid so this insurance can give you that extra peace of mind.

Why not call us for more details 0330 043 0003 – Speak with our Expert Team Today.