Site, Excavation & Groundworks Risk Insurance

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Insurance for high-risk excavation, groundworks, subsidence, collapse and traffic management exposures

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We compare quotes from leading civil engineering insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

GROUNDWORKS & EXCAVATION SITE RISK INSURANCE

Why Site & Excavation Risks Require Specialist Cover

Excavation and groundworks present some of the highest risks in civil engineering. Subsidence, collapse, ground movement and traffic management failures can cause serious injury, structural damage and costly claims. Specialist insurance is essential to protect contractors working in high-risk environments.

What Site & Groundworks Risk Insurance Covers

Protection for excavation-related and site-specific risks.


  • Subsidence and ground movement damage
  • Collapse of excavations or retaining structures
  • Damage to neighbouring property and infrastructure
  • Public liability arising from site operations
  • Traffic management and road closure risks
  • Claims involving underground services

Who Needs Site & Excavation Risk Insurance?


  • Groundworks and excavation contractors
  • Civil engineering and infrastructure firms
  • Contractors working near buildings or roads
  • Projects involving deep excavations or shoring
  • Highways, utilities and public-realm works
  • SMEs undertaking high-risk groundworks

Why Choose Insure24


  • Experience with high-risk excavation and groundworks
  • Cover aligned with method statements and risk assessments
  • Support for subsidence and collapse exposures
  • Fast turnaround for tender and site requirements

FREQUENTLY ASKED QUESTIONS

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Does insurance cover subsidence caused by excavation?

Some policies provide limited subsidence cover, but excavation-related subsidence often requires specialist underwriting and clear risk management procedures.

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Are traffic management risks covered?

Traffic management risks can be covered under public liability policies, but insurers often require details of traffic control plans and site layouts.

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Is collapse of excavations insured?

Collapse risks may be insured subject to compliance with method statements, temporary works design and site supervision requirements.

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Do insurers require risk assessments?

Yes. Insurers commonly require method statements, risk assessments and traffic management plans for high-risk excavation works.

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Can SMEs obtain this type of cover?

Yes. Specialist insurers can offer tailored cover for SMEs depending on experience, controls and project scope.

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