Written by Michael Foote, Insurance Expert
The Cost of Lost or Damaged Equipment
For groundworkers, equipment is everything. From laser levels and trench rammers to plate compactors and handheld tools, the cost of replacing stolen or damaged gear can be huge. If you’re working across multiple sites or leaving equipment in vehicles or secure compounds, there’s always a risk. And when tools go missing, work grinds to a halt. That’s why more groundworkers are looking into tool and equipment cover as part of their tradesmen insurance.
Not All Tool Insurance Is Equal
Tool insurance sounds simple, but not every policy works for how groundworkers operate. Some exclude theft from unattended sites. Others limit claims for overnight theft unless the tools are kept in a specific type of locked container. You need to check the fine print, especially if your kit stays on site or in your van. Also look at how quickly the insurer will pay out. Some providers have long claim processes that delay replacement and leave you out of work longer than necessary.
Consider Hired-In Plant Cover
Many groundworkers rent larger kit like mini diggers, dumpers or hydraulic breakers. If that’s you, make sure your policy includes hired-in plant cover. If you damage rented equipment or it’s stolen while in your possession, you could be liable for the full replacement cost, including lost hire charges. Having this cover in place gives you peace of mind and protects your cash flow when working with hired machinery.
Don’t Forget the Van
Your van is your mobile base. If it’s broken into or off the road, the impact can be bigger than just replacing a drill. Make sure your van policy includes business use and that you declare how it’s used day to day. If more than one person drives it, you may benefit from any driver van insurance, which simplifies things and saves hassle when teams change or rotate across jobs.
Where to Start
If you’re comparing groundworkers policies, think about your actual day-to-day risk. Where do you keep your tools? Do you hire in large kit regularly? Would a van break-in stop you from working? These are the questions to answer before you buy. You can compare tailored options via our tradesmen insurance experts and get cover that actually fits how groundworkers operate.