Insurance Challenges for Groundworkers in 2025

As we move into 2025, groundworkers across the UK face a landscape best described as both dynamic and ever-changing. There are shifting regulations, increasing risks and a heightened focus on environmental sustainability, so it’s crucial for businesses in this sector to stay ahead of the curve. In this blog, we take a look at the current issues impacting groundworkers and how Ascend Broking Group’s tailored insurance solutions can provide peace of mind and protection in uncertain times.  

Key challenges facing groundworkers in 2025

 

1. Rising material costs and project delays

Supply chain disruptions, a recurring theme over the past few years, are not going away. The costs of raw materials like concrete, aggregate and steel continue to surge, putting pressure on project budgets across the board, and delays caused by material shortages are leading to financial penalties and strained client relationships.

Ascend’s solution?

Our Contractors’ All Risks (CAR) insurance safeguards against unforeseen events on-site, including damage to materials or incomplete works, ensuring your project’s financial stability.  

2. Environmental regulations and sustainability

With new government mandates focused on reducing carbon emissions and increasing the use of eco-friendly materials, groundworkers must adapt their methods. Non-compliance can result in hefty fines and reputational damage.

Ascend’s solution?

Our Management Liability insurance provides protection against regulatory fines and covers legal costs associated with environmental disputes, helping you stay compliant and secure.  

3. Increased focus on worker safety

The Health and Safety Executive (HSE) has announced a stronger enforcement drive for groundworking operations, particularly focusing on trench safety and the use of heavy machinery. This means more site inspections and stricter penalties for non-compliance.

Ascend’s solution?

Employers’ Liability insurance, a legal requirement, is included in our comprehensive packages to cover potential claims arising from workplace injuries.  

4. Cybersecurity risks

As groundworking companies adopt digital tools for project management, they become vulnerable to cyberattacks. A ransomware attack or data breach could disrupt operations and expose sensitive client information.

Ascend’s solution?

Our Cyber Insurance is specifically designed for construction-related businesses, offering protection against data breaches, ransomware and financial losses from cybercrime.  

Why choose Ascend Broking Group?

Navigating all the challenges we’ve detailed above requires more than just a standard insurance policy. At Ascend Broking Group, we provide the following:  

• Tailored coverage

We understand the unique risks faced by groundworkers and design bespoke policies to address your specific needs.

• Risk management support

Beyond insurance, our expert team offers guidance on best practices to minimise risks on-site and the impact of project delays.

• Claims expertise

Our award-winning in-house claims team ensures swift resolution, minimising downtime and stress for your business.

• Regulation advice

We help you stay compliant.

• Reputation protection

The safety net of our tailored insurance programme ensures you maintain a great reputation and relationship with your clients.  

At Ascend Broking Group, we’re committed to supporting groundworkers with comprehensive insurance solutions and expert advice. Contact us today on 01245 449060 or email stuart.belbin@ascendbroking.co.uk for a free insurance health check, and let’s build a secure foundation for your groundworking business in 2025 and beyond!