Groundworker Insurance – Vital For Construction Businesses

Anyone working on a building site understands just how crucial groundworker insurance can be.

Groundworker insurance is basically designed to do two things: protect the worker in case of injury at the workplace who has to claim against his employer and also protect the holder from possible claims made by a third party against the worker.

That’s what everyone has to remember about insurance. It’s not only there to protect things that might happen to the worker, and by law affect the employer, but it’s also there to protect the policy holder from things the worker might do to others.

Buildings sites, or construction sites in general are dangerous places. Much has been done over the decades to improve worker safety and comfort. But with the type of work carried out, there is still a big risk of injury, or death. Therefore, groundworker insurance is vital to give the protection that workers, as well as employers, need in place.

But just what are the sort of issues that this sort of cover guards against? Firstly, there has to be an element of employers liability insurance. Simply this means that if a workforce injury is sustained because of the ‘fault’ of the employer, then a claim can be on the policy. Same with the public liability element of a policy. This mitigates against claims from third parties when, say, a worker might accidentally sever an underground pipe, or cable.

So, groundworker insurance is key for those in the construction industry.