Scaffolders Insurance
Scaffolders Insurance
As any experienced scaffolder would know, accidents and property damage are amongst the most common made claims whilst working with buildings that have scaffolding, which is why taking out the right Scaffolders Insurance is so important.
Scaffolders Insurance is suitable for all types of organisations, regardless of size. Despite companies taking suitable health and safety precautions, accidents can still happen. A pole goes through the window of the building, or a beam clamp falls and hits a pedestrian, resulting in a large claim that leaves you out of pocket and unable to complete projects.
By having the right Scaffolders Insurance in place, you can protect yourself against any potential financial loss resulting from a claim.
What is included in Scaffolders Insurance?
By nature, scaffolding involves building and operating around the public, so Public Liability is included in many Scaffolders Insurance policies. This protects you against claims made by clients or members of the public who have been injured or sustained property damage, as a direct or indirect result of your work.
If you employ anyone, you are legally required to have Employers’ Liability. For larger projects you may need to transport scaffolding equipment, which will require Goods in Transit Insurance that protects you against theft, vandalism, or damage of equipment either in your own vehicle or a third-party courier.
Typical covers include (but are not limited to);
- Public Liability (5m – £10m)
- Employers Liability
- Working at Heights
- Professional Indemnity
- Directors and Officers
- Fleet
- Legal Expenses
- Plant and Tools
Regardless of whether you are a small scaffolding company or a larger scaffolding business, its advisable to discuss your business with a member of our specialist construction team to fully risk assess your business and ensure appropriate covers are placed to cover all your scaffolding activities.
What can I add to Scaffolders Insurance?
If you undertake more work outside of scaffolding, such as general building work, you can add this to your policy as opposed to taking out a separate one. Commercial and industrial properties of heights more than the standard 15 meters can also be covered.
You may need to consider Plant and Equipment Insurance, which protects your own or hired-in equipment against fire, theft, or malicious damage. Professional Indemnity is also available and protects against claims for loss or damages due to negligence, either from services or advice you gave clients or third parties. Contractors’ All-Risk provides cover for ongoing or completed building work affected by natural disasters, theft, or vandalism and has resulted in client loss.
Why choose Konsileo for your Scaffolders Insurance
Our specialist brokers appreciate the high-risk nature of your profession and can accommodate for all sorts of scaffolding work. Whether you are carrying out a site inspection or erecting, dismantling, or altering scaffolding, our brokers can tailor-make policies to ensure that you and your business can keep running. Get in contact today for more information.
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Frequently Asked Questions
Scaffolders insurance is specialist business insurance designed to protect scaffolding contractors from the unique risks associated with erecting, altering, and dismantling scaffolding. A policy can include public liability insurance, employers' liability insurance, contract works cover, tools and equipment insurance, hired-in plant cover, commercial vehicle insurance, and legal expenses insurance. The right cover helps protect your business from costly claims, accidents, and unexpected financial losses.
The insurance needed by a scaffolding company depends on the size of the business and the work being undertaken, but many scaffolders require:
- Public liability insurance
- Employers' liability insurance (if you employ staff)
- Contract works insurance
- Tools and equipment insurance
- Hired-in plant insurance
- Commercial vehicle insurance
- Legal expenses insurance
Having the appropriate insurance ensures your business is protected while meeting client, contractor, and contractual requirements.
Public liability insurance is essential for scaffolders because of the increased risk of accidental injury or property damage when working at height or on busy construction sites. If a member of the public, client, or third party suffers injury or damage as a result of your work, public liability insurance can help cover legal costs, compensation payments, and associated expenses. Many principal contractors require scaffolders to hold this cover before work begins.
Many scaffolders insurance policies can include cover for owned tools, scaffolding equipment, and hired-in plant against risks such as theft, accidental damage, fire, or vandalism, depending on the policy terms. This cover helps reduce the financial impact of replacing essential equipment and minimises disruption to ongoing construction projects.