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.
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);
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.
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.
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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