Groundworkers &
Civil Engineering Insurance

Specialist insurance cover designed for the Ground Works,
Civil Engineering and associated industries

Over the years we have developed a number of innovative specialist insurance schemes which are recognised as being market leaders. One of our most popular is the Groundworkers & Civil Engineering Insurance scheme which is designed to meet the needs of those working in the Groundworks and Civil Engineering industry to cover the risks and exposures a firm may face.

We fully understand the needs of organisations connected with the Groundworkers and Civil Engineering trades including those involved in the following areas: Concrete Placing, Directional Drilling, Formwork,  Haulage, Muck Away, Paving, Piling, Plant Hire, Reinforced Concrete, Road Construction, Shuttering, Site Clearance, Steel Fixing, Surfacing, Tarmacing, Underpinning, Utilities and other associated trades.

There are difficulties generally with the placement of liability insurances and these are more pronounced for organisations in the contracting and engineering industries, especially those involved in high risk activities such as work at Height, work at extreme Depth, work with Heat, work in connection with Asbestos or work at High Risk locations.

As a result in many cases premiums are increased considerably or in extreme cases, insurance is not available. However, with our established and substantial connections with Insurance Companies and Underwriters in London, we have developed unique and special arrangements whereby insurances are arranged for liability and other covers on competitive and realistic terms.


Available for the Contracting and Allied Trades

Property Damage

Cover can be arranged on an All Risks basis including Theft and Accidental Damage for Buildings, General Contents, Stock, Fixtures and Fittings, Tenants Improvements and Business Interruption. Cover can also be extended for Goods in Transit, Computer Equipment, Loss of Money and All Risks anywhere in the UK.

Contractors all Risks

Cover for any loss or damage to the installation prior to completion of the Contract. Cover is provided on an All Risks basis for work in progress, materials in transit, in temporary storage and at the contract site. In addition, cover can be extended to include loss or damage to your own plant and equipment, or hired-in plant including continuing hire charges.

Employers Liability

You are required to effect this cover by law. It protects your legal liability in respect of accidental death, bodily injury or disease to employees arising out of and in course of their employment. Insurance is provided for all types of work undertaken and other supplementary work carried out e.g. building work.

Liability: Extensions of Cover

Pecuniary Loss

Insurance – Pecuniary Loss Insurance covers businesses against purely financial losses (e.g business interruption) rather than physical damage to property.


Cover for losses as a result of incorrect advice, design, errors or omissions whilst carrying out your duties.


Cover for loss or damage to property arising from the failure of a product or work to fulfil its intended function.

(Other Extensions available upon request)

Public / Products Liability

Cover for Accidental bodily injury to any customer, third party and/or damage to property arising during the course of the company’s business up to a specified limit e.g. caused by the installation, use of tools and equipment.

Directors & Officers Liability

Directors and Officers Liability Insurance cover protects companies Directors, Officers and Senior Managers against claims arising from their decisions and actions taken whilst managing their business.

Legal Expenses

Commercial Legal Protection cover to protect your business against the cost of potential legal disputes as well as access to free Legal Helplines.

Fleet Insurance

Cover for Fleet Insurance for all sizes and different types of businesses. A minimum of 2 vehicles is required but there is no maximum number. All types of vehicles can be covered including; Business Cars, Private Cars, Vans, Trucks, HGV’s and Plant.

At your Service

We hope that you can appreciate that these
arrangements are unique and we would welcome your enquiry without obligation.