Written by Michael Foote, Insurance Expert
Hiring Help Doesn’t Always Mean They’re Covered
Groundworkers often bring in subcontractors for extra manpower, whether that’s machine operators, drainage specialists, or general labourers. But many assume their insurance covers everyone on site. In reality, that’s not always the case.
If a subcontractor causes damage or gets injured, your business could still be held responsible. That’s why it’s important to understand who your policy protects and who it doesn’t.
The Two Types of Subcontractor
Insurance providers treat subcontractors differently based on how they work with you:
- Labour-only subcontractors
These work under your direction, use your tools, and operate as part of your team. Insurers usually treat them like employees, which means you’ll need employers’ liability insurance. - Bona fide subcontractors
These are independent, bring their own tools, and decide how they carry out their work. They usually have their own insurance, but it’s your job to check.
If you get the classification wrong, your policy might not respond when you need it.
Why Employers’ Liability Might Still Be Needed
Even if someone is technically self-employed, they may still be considered part of your team in the eyes of the law. If they get injured while following your instructions or working on your site, your business could be liable and legally required to hold employers’ liability cover.
Without it, you could face fines of up to £2,500 per day.
What to Check Before Hiring a Subcontractor
- Ask to see proof of their public liability insurance
- Confirm their level of cover is appropriate for the work
- Get written confirmation of their independent status
- Make sure your own policy recognises subcontractor use
Some insurers may add conditions or require you to declare how often subcontractors are used.
Protecting Your Business from the Unexpected
Even trusted subcontractors can make mistakes and without the right policy in place, you could be left picking up the bill. If you use any external help, make sure your groundworkers insurance reflects the way you actually operate.
To compare quotes tailored to your work, visit our Groundworkers Insurance page.