A groundworker is responsible for preparing the ground and ensuring that it is stable before construction takes place, paving the footpaths, and similar after the main construction has finished. Such tasks could include ensuring that the water flows functionally, the pipes are efficient, the sewage is removed and checking that the ground is ready to be built on. This can be a hazardous environment, and any small mistakes could potentially cost thousands of pounds, amplifying why insurance is a necessary precaution to take to prevent this loss. If you would like to read more information or learn more about the pricing of business insurance, you can do so here.
Types of Groundworker Insurance
Groundworkers all work in different environments doing different jobs, so any combination of covers may be beneficial. Listed below is a general overview of the most important types of insurance:
1. Public liability insurance
Public liability insurance protects groundworkers from third parties’ claims, like passers-by or even clients. Suppose any public member is injured on the worksite, which has a high likelihood due to the nature of the job and the risks associated with the profession. In that case, the costs associated with this claim, like appointing legal representation, can be sky-high. With dangerous equipment lying around like bolt cutters, crowbars, and plants, accidents are inevitable.
If someone walking past is unintentionally hurt by this equipment, medical expenses can need to be paid. Also, if a worker causes damage that financially affects the client and needs to be rectified, like an excavator hitting a pipe and bursting it, the pipes need to be replaced. Public liability insurance covers this.
2. Contract works insurance
Contract works insurance covers the cost of redoing the work done if it is undone or destroyed by accident. Suppose an unpredictable event ruins progress like a natural disaster. In that case, a fire causing an explosion or floods ruining the concrete setting, all of the labouring must be repeated. Contract works insurance pays for the materials destructed. Similarly, even if the damage were caused by a person, like an employee or a local community member, the repair would be paid for as long as it was an accident.
This prevents unnecessary waste of money from the business to rectify the damage and continue progression as fast as possible by halting the operations for as little time as possible.
3. Business equipment and tools insurance
Business equipment and tools insurance insures the appliances used to carry out the work. For a groundworker, this equipment includes excavators, rollers, dumpers, wheelbarrows and any plants required for the project, whilst for tools, this means shovels, rakes and other items used to achieve the final goal. Without these pieces of equipment, a groundworker cannot operate, so they are essential for the development of the building.
Whether they are lost, stolen, or destroyed by a natural disaster like a fire or flood, the insurance company is obliged to pay for repairing or replacing the tools as long as it is covered in the policy. A tip is only to insure the most expensive equipment to avoid a costly monthly premium.
4. Personal accident insurance
Personal accident insurance covers a groundworker if they are injured at home and, as a consequence, can no longer work for some time. Being a groundworker requires long work hours, working in a harsh environment and lots of movement and lifting heavy machinery, working when you are not in top condition becomes increasingly tricky. For instance, if an employee breaks their arm or fractures their knee, moving around is slow and painful. Any lost income for the time they physically cannot work is paid for, as long as the medical costs if this occurred at work.
5. Employers’ liability insurance
Lastly, employers’ liability insurance is compulsory if a business hires any workers. This cover is similar to personal accident insurance; however, it only covers incidents in the worksite, not at home. Suppose a groundworker is injured when working with a shovel, or a pipe explodes near them. In that case, they are entitled to their average salary and their medical expenses being paid, as this injury was sustained directly as a result of the services they provided at work.
In conclusion, groundworker insurance is necessary when working in a harsh environment with dangerous equipment. Although the premium may be expensive due to the risks associated with insuring someone of this profession, it can save thousands in the future as construction projections can sometimes be worth millions of pounds and safety measures should be taken.
Find out more about the importance of insurance here.
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