Who needs scaffolding insurance?
Anyone who works with scaffolding, whether that’s as a dedicated scaffolding business or trades who use scaffolding, needs scaffolding liability insurance. This includes independent contractors, construction companies, painters and decorators, and bricklayers.
Types of insurance to consider
There are several different components that you might opt to include within your policy, such as:
- Personal accident cover - This will cover you if you suffer from an accident at work or outside the workplace, which leaves you unable to work for a time or has other further-reaching consequences.
- Public liability cover - As you are working at height with hefty pieces of metal and other equipment, there's always the possibility that you could unintentionally cause an accident that injures a member of the public. Having public liability cover will cover you financially if someone makes a compensation claim against you.
- In-Transit cover – Covers the transport of scaffolding equipment to and from jobs, protecting it against both damage and theft.
- Employer’s Liability insurance – If you employ anyone, whether they’re full-time employees or part-time contractors, you must have Employer’s Liability cover by law.
- Tools Insurance – Tools are susceptible to theft from worksites or out of the back of vehicles. Tool insurance ensures you can afford to replace tools if they are stolen or lost.