Ground Workers Insurance

Insurance solution providing comprehensive cover to ground workers working throughout the UK.

Get a quote 01905 892 340

Ground Workers Insurance from Jelf

Insurance solution provides comprehensive cover to ground workers working throughout the UK.

Jelf is a sister company to Marsh – providing expert advice to over 100,000 businesses and individuals on matters relating to insurance, healthcare, employee benefits, and financial planning.

As a specialist broker, we’ve been supporting tradesmen and contractors working in the construction industry for many years. Our knowledge and expertise has given us a thorough understanding of the unique risks and challenges you face in your working life.

As a ground worker, you wouldn’t be able to carry out your job without specialist tools and equipment. Your business insurance is no different, so don’t leave it to chance – make sure your insurance is up to the job.

Jelf’s business insurance for ground workers provides broad insurance protection in a single solution. We take the time to do the groundwork needed, by listening to you and finding out what you need from your insurance, so we can tailor the insurance solution for you.

By using our services we hope you don’t have to waste your valuable time negotiating different policies with various insurers, which may involve additional administration for you to manage. This should leave you with more free time to concentrate on your business. 

Our Business Insurance Includes:

Cover Options:

  • Public liability.

  • Employers liability.

  • Subcontractor liability.

  • Contract works.

  • Plant.

  • Vehicles including directors’ cars.

  • Stored materials.

  • Tools in transit.

  • Groundwork risks.

  • Environmental clean-up.

Enhanced Features:

Public liability:

  • A generous five metre depth limit applies.

  • No heat condition or warranty.

  • No hidden premium adjustments on wages paid at year end.

Employers liability:

  • No height limit.

  • No hidden premium adjustments on wages paid at year end.


  • Extends to include plant on free loan.

  • Loss of hiring charges for 180 days.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

To find out more about ground workers insurance, or to request a quote, contact us today and speak with our team of experts.

Ground Workers Insurance from Jelf

By opting for ground workers insurance with Jelf, you will have peace of mind knowing you’re working with a highly reputable company with a focus on providing quality customer care.

We listen carefully to your specific business needs to construct a solution that provides a solid foundation for your work. Whether you’re a one-man band or you manage a team, we will develop a solution for you so you only pay for the cover you need, without the added extras that you don’t.

Our role doesn’t stop at arranging your insurance. Our team of insurance experts will be on hand throughout the lifespan of your policy to deal with any problems, queries or issues that may arise. We provide updates on ways to manage and minimise risk, and our dedicated claims team are there to support you in the unfortunate event of a claim.

Get a quote 01905 892 340

The Importance of Business Insurance for Ground Workers

Ground workers are one of the first tradesmen on site, and your role is arguably one of the highest risk aspects of construction, as it’s riddled with potential dangers and you can never be entirely sure what will show up as you’re digging the foundations. So having comprehensive insurance cover is essential.

It’s your job to determine the levels, prepare and dig the ground, excavate and lay concrete foundations. You’re also responsible for drainage installation and pipework. While it’s satisfying to see the result of your work, one miscalculation could disrupt the entire project. There’s also the potential danger of hitting an electricity, gas or water main, causing widespread disruption. And the equipment you use is hazardous to you, your employees and subcontractors, and the general public, not to mention at risk of theft and accidental damage.

As your role is so varied and specialised, your insurance needs should be the same. With so many potential dangers to navigate, having the appropriate insurance for your trade is important, coupled with the peace of mind we hope you get from knowing you and your business are protected.

Jelf Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA. Registered in England and Wales number 0837227. Registered Office: Hillside Court, Bowling Hill, Chipping Sodbury, BS37 6JX.


To allow us to understand your needs, provide advice, and recommend an insurance solution, you will need to provide specific information regarding your business and property, including any tools you use or stock you may want to insure. We will guide you through what is needed when you contact us. It would also be useful to have any previous insurance details to hand, including policy details and any renewal documentation.


In most instances there will no requirement to visit you in person to arrange a policy, as we discuss your requirements and the quotation over the phone. The insurance we arrange is based on a number of factors including your premises, employees, equipment, and stock ‒ therefore we will help guide you on the factors that may affect your insurance quotation, however it is important you tell us about anything you feel may be relevant. In addition, the information you provide should be accurate and honest.


As both your requirements and insurers may change over time, quotes are only valid for a particular period of time, typically 30 days. Therefore it is best to obtain a quotation within this time frame from your renewal date. You can leave your details with us and we will call you when your renewal date is due to discuss your insurance requirements.


We consider all businesses on a case-by-case basis. Having a previous claim may not necessarily mean you can’t be covered, therefore please contact us to discuss your insurance requirements and claims history.


IPT is a charge levied by HM Revenue and Customs, which is currently 10% for business insurance policies.

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