Groundworkers insurance
Join over nearly a million customers (including groundworkers like you) – we offer public liability cover from £4.95*
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- Get tailored insurance quotes for groundworkers from trusted brands
10% of customers pay the equivalent of £4.95 a month*

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Rated 4.6/5
Based on 39.9K reviews

Claims paid in 24 hours
For 80% of settled claims
Why is groundworker insurance important?
From the equipment you use to employees you have on site, your trade comes with specific risks. We cover thousands of construction companies every year, and understand what goes into a solid ground worker insurance policy. Whether it’s a public liability case or equipment theft, our 24/7 UK-based claims team are ready to go.
- protection from big claims for third party injury or property damage
- public liability insurance for groundworkers between £1 million and £5 million
- quotes start at £4.95 a month*
What does groundwork insurance cover?
We’ll start with public liability insurance, designed to cover property damage or injuries to the public. Many ground workers’ insurance policies include employers’ liability cover – a legal requirement for most businesses with employees – plus your own personal accident insurance and protection for your tools and equipment.
Looking for more general construction business cover? Switch over to our construction worker insurance, for quotes geared to your trade and contracts.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does groundworks insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.95 per month
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example groundworker insurance quotes, real prices

£29.01 /month
£290.13 /year
A self employed groundworker working on residential properties in the local area
- 1-2 years’ experience
- Sole trader
- No employees
- Based in Sheffield
Public liability
£1,000,000
Employers liability
Not included
Tools
Not included

£224.52 /month
£2,245.20 /year
A small groundwork that has employees but also uses a part time casual worker
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Cardiff
Public liability
£2,000,000
Employers liability
£10,000,000
Tools
£3,000
How we work out example quotes These examples are real quotes from our online system (created 18/03/2025). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
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Only pay for what you need
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Get your documents the same day

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£68 million in claims paid out in 2024
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Example claim
Having groundworkers’ insurance through Simply Business has saved trade professionals thousands of pounds when the unexpected happened.
Gary saved more than £8,421
Gary (not his real name) hit a public sewer pipe while digging on site, causing significant damage to the contract works and other property. The public liability cover in his groundworker insurance policy covered him for third party property damage.
Insurance payout
£8,421.01
Covering the cost of third party property damage
Gary’s costs
£100
The excess amount stated in Gary’s policy terms
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
Insurance for groundworkers FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about groundwork insurance. You can also check out our business insurance FAQs.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions