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Insurance for groundworkers

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Trusted by 500,000 customers

Insuring businesses and landlords for over a decade

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Satisfaction score of 9/10

For public liability insurance

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Award-winning claims team

With a UK-based team available 24/7

Tailored insurance in one simple policy

Groundworkers face a unique set of risks every day and, as your work is so varied, you need a flexible insurance policy that protects you against each and every eventuality. With Simply Business you can get just that, choosing from a range of key covers to build a single policy with a single premium, a single renewal date, and a single set of documents. It’s quick, quality cover, without the hassle.

Cover from £6.78 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.78 or less across all our trades insured. Based on data from 1 January - 30 June 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

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PL why do i need it

Specialist cover for groundworkers

Public liability insurance is often a very important cover for groundworkers, in case someone is injured or their property damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Personal accident insurance is important for groundworkers because of the particular hazards you face. It covers you against serious injuries you might sustain at work and will pay out for medical costs, lost income and the like. If you would struggle to make ends meet following an accident then you should consider adding this to your policy.

Other covers available to groundworkers include tool insurance, plant and machinery insurance and business equipment insurance.

The average insurance claim for groundworkers is £8,548 – could you afford this if the worst happened? (Average claim being £8,548. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

watch the details

Groundworker insurance policy details

  • Make sure you read your policy documents carefully in order to understand any exclusions
  • If you take out equipment cover, be careful not to underestimate the replacement value of your equipment
  • If you employ people, even in your own home, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Rated 4.7/5 by customers

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist.

Read our reviews

It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

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© Copyright 2020 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.