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Insurance & Liability Statement

Last updated: 22 November 2025

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At LJ Groundworks & Landscaping, I put client confidence and risk management at the heart of every project. To protect both you and my business, I maintain robust insurance policies and act transparently about coverage and liability.

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1. Insurance Cover Arrangements

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  • Public Liability Insurance:
    I am insured for public liability. This protects against accidental damage or injury caused to third parties, clients, or the public as a result of my work.

  • Employer’s Liability Insurance:
    If I employ staff or subcontractors on your project, I maintain employer’s liability cover as legally required (minimum £5,000,000) to safeguard against injury or illness sustained at work.

  • Additional Insurance:
    Specialist insurance (e.g., contractor’s all risks, plant hire) may be arranged for specific projects by prior agreement.

  • Proof of Insurance:
    Copies of insurance certificates and policy summaries are available on request at any time.

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2. What is Covered?

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  • Damage to property or personal injury to clients, visitors, or third parties resulting directly from my operations or negligence.

  • Accidental damage caused to neighbouring properties, provided my responsibility is established.

  • Loss or damage during the project if due to insured risks (as specified in policy documents).

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3. What is Not Covered?

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  • Pre-existing faults or defects in your property prior to my works.

  • Damage to underground pipes, cables, or utilities that were not clearly marked or disclosed prior to commencing works.

  • Accidents or incidents caused by your failure to comply with access, site safety, or care instructions.

  • Acts of nature (weather, flood, storm) unless specifically included.

  • Consequential or indirect losses not resulting directly from my actions.

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4. Client Responsibilities

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  • Ensure I have clear and safe access to all designated work areas.

  • Inform me, in writing and prior to work, of any underground services or special site-specific risks.

  • Adhere to all safety instructions and site exclusion zones.

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5. Reporting Incidents

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If you believe accidental damage has occurred or someone has been injured in connection with my works, please let me know immediately:

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I will investigate swiftly, liaise with my insurer as needed, and communicate openly with you throughout any claims process.

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6. Ongoing Review

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  • Insurance cover limits and details are reviewed at least annually.

  • My liability practices are updated in line with UK best practice and regulatory changes.

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7. Contact

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For further details about my insurance policies, to request evidence of cover, or to discuss specific risk concerns for your project, please contact:


Email: Liam@ljgroundworks.com
Phone: 07467546479

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With LJ Groundworks & Landscaping, you have the peace of mind that your property and interests are protected by comprehensive insurance and a clear commitment to responsible business practices.

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