scaffolding contractor insurance

Scaffolding Contractor Insurance

Contractor insurance for scaffolders with public liability insurance.

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Public liability cover is a key part of scaffolding contractor insurance as this protects you against the legal and financial repercussions if any injuries are sustained or property is damaged for members of the public as a direct result of your work. For example, you may drop one of your tools from a great height and smash it into a client’s car, or members of the public could trip over some unattended scaffolding materials and hurt themselves. You would typically need to pay for compensation and legal expenses in both of these instances, which can cost hundreds of thousands of pounds in the most serious circumstances. However, with scaffolding contractor insurance including public liability, you won’t be responsible for this. All damages will be covered by us and you can continue working as normal.

You can obtain standard cover up to £5 million for public liability. This is also the case for product liability cover, which protects your business if a product you’ve supplied, installed, or sold results in a personal injury or damaged property.

To ensure you receive the best possible cover for the most affordable price, you’ll find everything you may possibly need in your policy, including: 

 

    • Public & Products Liability up to £5 million
    • Employers Liability at £10 million
    • Contractors All Risks Insurance which provides cover for 
      • Contract Works
      • Owned Plant
      • Hired-in Plant
      • Employees’ Tools
    • Essential Legal Expenses at £100,000
scaffolding contractor insurance

What is scaffolding contractors insurance?

Working as a scaffolding contractor is a hands-on, varied, and rewarding profession but it’s important to remember the dangers of the job too. You can protect yourself from the risks of working at height by taking out a scaffolding contractor insurance policy. Tailored specifically to your trade, this provides you with all the coverage you need for compensation costs or legal fees incurred during a job. With scaffolding contractors insurance, you can happily work knowing you and your business are safe.

Why do you need scaffolding contractors insurance?

Many insurance providers fail to consider the hazards a scaffolding contractor could face, which is why generic insurance packages will never give you the protection you really need. In fact, a scaffolding contractor job is often considered so risky that many providers won’t insure you at all. And without the right coverage, your business could be under huge pressure if tools are stolen, an injury occurs on site, or any other unfortunate incidents take place. 

 

scaffolding contractor insurance

How our scaffolding contractor insurance works

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How much is scaffolding contractor insurance?

Factors like the size of your clients, frequency of jobs, and number of employees will affect the final cost of your scaffolding contractor insurance, as will the particular covers you wish to include in your policy.

Can you insure scaffolding equipment?

Whether you own it or it’s hired, your scaffolding equipment can be protected with contractors all risk insurance as part of your scaffolding contractor insurance policy.

Do I need insurance if I am scaffolding subcontractor?

Bona-fide subcontractors, who work independently from a company, need their own insurance as they aren’t considered employees. If you set your own hours and work unsupervised with your own tools, it’s likely you will need your own scaffolding contractor insurance. You may be covered if you are a labour only subcontractor, working as part of the company using their equipment. However, it’s important to check the details of any master insurance policies rather than make assumptions about your level of coverage.

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