Scaffolding Insurance
Comprehensive Insurance Solutions for Scaffolders
Working at height exposes scaffolders to unique risks, and our specialist team is dedicated to ensuring you and your team are protected against these dangers.
This guide will cover the importance of scaffolding insurance, the key risks faced by scaffolders, essential coverages, and why you need specialist insurance for your scaffolding business.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
Why Scaffolding Insurance is Essential
Scaffolders face numerous risks daily, from working at heights to potential hazards affecting the public. Having a robust scaffolding insurance policy is crucial to protect your business from financial loss and ensure compliance with health and safety regulations.
Health and Safety Regulations
Ensuring your business complies with Health and Safety Legislation is paramount. Scaffolding insurance helps you stay compliant and safeguards against penalties.
Risks to the Public
Scaffolding is a high-risk trade. Public liability cover provides indemnity against negligent acts that can cause third-party bodily injury or property damage.
Type of Work and Insurance Premiums
The type of work you undertake can influence your insurance premiums. For example, premiums for low-level domestic scaffolding risks may be lower than those for high-risk commercial premises. Detailing the nature of your projects can help mitigate costs.
Why You Need Specialist Scaffolding Insurance
The scaffolding industry involves various risk factors, with working at heights being one of the most significant daily risks. Before starting any job, you ensure you have the right equipment. Similarly, your insurance policy should be fully equipped to match your needs.
With ABA Insurance, you’ll receive personal service and bespoke advice. We look at the wider risks in your business to help prevent problems from escalating. If you need to make a claim, we stand shoulder to shoulder with you to achieve the best possible outcome.
Usual Types of Cover for the Scaffolding Industry
The scaffolding industry involves various risk factors, with working at heights being one of the most significant daily risks. Before starting any job, you ensure you have the right equipment. Similarly, your insurance policy should be fully equipped to match your needs.
With ABA Insurance, you’ll receive personal service and bespoke advice. We look at the wider risks in your business to help prevent problems from escalating. If you need to make a claim, we stand shoulder to shoulder with you to achieve the best possible outcome.
Working with our team, you can set up a policy that suits your personal preferences and choose from a variety of key covers, including:
Public and Product Liability Insurance
Public and Product Liability Insurance covers injuries to clients, contractors, or the public resulting from your work. It also covers damage to third-party property. This coverage is essential for protecting your business against potential legal and compensation claims.
Employers’ Liability Insurance
Employers’ Liability Insurance is legally required if you employ staff. It covers liability arising from injury, disease, or death of an employee or subcontractors while working for you. This insurance ensures you are protected against claims from your workers.
Business Interruption Insurance
Business Interruption Insurance compensates for lost income if your business operations are disrupted due to an insured event like fire, flood, or theft. This coverage helps you maintain financial stability during unforeseen interruptions.
Tools Insurance
Tools Insurance protects your essential tools and equipment from theft, loss, or damage. Ensuring your tools are covered means you can continue working without interruption if an unexpected event occurs.
What Makes Us Different
We are specialists in the Scaffolding Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.
We’re Here to Help with Scaffolding Insurance
You wouldn’t start a job without the right equipment, and arranging insurance for your scaffolding business is no different. Speaking to our professionals ensures you get the best coverage tailored to your needs.
Your Work and Property, Covered
Our insurance covers injuries suffered by clients, contractors, or the public due to your work, damage to third-party property, and injury, disease, or death of employees or subcontractors while working for you.
Bespoke Cover
From sole traders and partnerships to SMEs and larger organisations, our scaffolding insurance is designed around you.
Professional Support
Our expert team is on hand to answer any questions, resolve issues, and assist with any claims that arise.
How Much Does Scaffolding Insurance Cost?
The cost of your scaffolding insurance policy depends on several factors, including:
- Business Size: Annual turnover and number of employees.
- Level of Cover: The amount of coverage you need.
- Location: Higher-risk areas may result in higher premiums.
- Claims History: Previous insurance claims can affect costs.
Type of Work: High-risk contracts or large-scale projects may increase premiums.
Factors Influencing the Cost of a Policy
Several factors influence the overall price of your scaffolding insurance:
- Work Location: Businesses in high-risk areas or those dealing with high-value properties.
- Number of Staff: More employees increase the likelihood of claims.
- Nature of Work: High-risk activities or complex installations.
- Types and Levels of Cover: More comprehensive coverages increase the policy cost.
Optional Extras: Additional coverages can affect the overall cost.
Scaffolding Insurance FAQs
Do Self-Employed Scaffolders Need Insurance?
Yes, all scaffolders, including self-employed individuals, need insurance to protect against potential claims and liabilities.
Is Public Liability Insurance a Legal Requirement for Scaffolders?
While not legally required, many clients and contracts mandate public liability insurance as a condition of work, making it essential for professional scaffolders.
What Should I Consider When Choosing Scaffolding Insurance?
Consider the level of coverage you need, the specific risks associated with your work, and any additional coverages that might benefit your business.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
One Point Of Contact, Countless Ways To Help.
Get Your Scaffolding Insurance Quote Today
Get peace of mind and protect your Scaffolding Business with ABA Insurance. Use our online quote generator to get a personalised quote or contact our expert team for tailored advice.
