scaffolding contractor insurance

Scaffolding Contractor Insurance

Contractor insurance for scaffolders with public liability insurance.

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To ensure you receive the best possible cover for the most affordable price, we have everything you may 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

 

Scaffolders insurance protects business financially in the event of accidental injury to a client or member of the public, or damage to a property. Working as a scaffolder presents a unique set of risks that makes a bespoke insurance policy exceptionally worthwhile. Our Tradesman Saver package includes public liability, products liability insurance and employer’s liability insurance, and more . This covers your company should a claim be made against you.

Alongside the standard covers provided, there are several optional ones you can add on to safeguard your business further. These include contractors all risk, and tools and equipment cover, for example.

Being a scaffolder requires hands-on labour, often carried out at great heights using bulky equipment. It’s a profession considered so high-risk that many insurers refuse to provide cover. But all it takes is one accident or for someone to steal your tools, and your business could suffer serious financial damage. Scaffolders contractor liability insurance is essential to protect yourself from such scenarios.

More specifically, accidental damage or injury is likely to result in compensation and legal fees, as well as repair costs. A comprehensive insurance policy means you won’t have to fork out for the costs yourself.

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.

Understanding public liability insurance for scaffolders

Arranging a contractor insurance policy isn’t an exciting activity, but it’s a necessary one as a scaffolder. There’s a variety of covers you can include in your policy, but the most important one is public liability. This is the foundation of your insurance, providing cover if someone sustains an injury or their property becomes damaged as a result of your work. The risks of this job are plentiful, and public liability protects you should any of these happen:

  • Dropping a tool from a great height and damaging someone’s property
  • A member of the public tripping over unattended scaffolding equipment
  • Accidents caused by poor scaffolding construction

 

scaffolding contractor insurance

Why do you need public liability insurance for scaffolding contractors?

Scaffolding is a risky profession, and even if you adhere to each and every one of the health and safety regulations, accidents still happen. These can cause serious damage to a client’s property or harm a member of the public. As a result, you may be liable for hefty fees, unless you have public liability insurance.

worker hanging fall harness kit into scaffolding

How our scaffolding contractor insurance works

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How much is scaffolding contractor insurance?

The price of your scaffolding contractor insurance is dependent on things like the size of your clients, frequency of jobs and how many employees you hire. The amount of cover your business needs and how high up you’re working can also determine the final price.

Can you insure scaffolding equipment?

Whether it’s your own or it’s hired, your scaffolding equipment can be covered with our contractors all risk insurance. We also offer tools and equipment cover. These are optional add-ons to your insurance policy.

Do I need insurance if I am scaffolding subcontractor?

Subcontractors working independently require their own insurance as they aren’t considered employees. If you set your own hours and work unsupervised with tools, you need your own scaffolder contractor insurance. However, if you’re a labour-only subcontractor working within a company using their tools, you may not. Be sure to check the details of your policy to see what is covered.

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