Written by Michael Foote, Insurance Expert
Groundwork Comes with Serious Risk
Digging, trenching, heavy machinery, it’s no surprise that groundwork is considered one of the highest-risk trades. If an accident happens, whether it’s an injury, utility strike, or site damage, your response can make the difference between a resolved claim and a business liability.
Here’s what to do if the worst happens on-site.
Step 1: Make the Site Safe
Your first priority is to prevent further harm. Stop work immediately, clear the area, and cordon off any hazards. If utilities are involved, like a burst gas main or severed cable, contact the relevant authority without delay.
Step 2: Get Medical Help (If Needed)
If someone is injured, call emergency services and follow any first aid protocols you’ve put in place. If the injury involves an employee or labour-only subcontractor, you may be legally required to report the incident under RIDDOR.
Step 3: Document Everything
Accurate records are vital if you need to make a claim. That includes:
- Photographs of the scene
- Details of any equipment involved
- Witness statements from your crew
- Notes on weather or ground conditions
- Any risk assessments or method statements
Without evidence, even a valid claim can become difficult to settle.
Step 4: Notify Your Insurer Immediately
Even if you’re unsure whether a claim will follow, tell your insurer what’s happened. Delaying notification could breach your policy terms.
A good groundworkers insurance policy should help cover:
- Injury to third parties or the public
- Damage to underground services
- Claims from contractors or site owners
- Legal defence costs
Make sure your cover includes these risks, especially if you’re working on new builds or utility-heavy sites.
Step 5: Cooperate with Investigations
If your insurer launches an investigation or appoints a loss adjuster, be transparent and cooperative. The more you can show that you followed procedure, the stronger your position will be.
Protect Yourself Before the Next Job
Accidents can’t always be avoided, but how well you’re protected is entirely in your hands. If your current policy doesn’t include tool damage, plant cover, or public liability at the right limits, it might not be enough.
To get cover tailored to your trade, visit our Groundworkers Insurance page and compare quotes today.