How does insurance for scaffolders work?
Get all the covers you need in one policy
As a scaffolder, you’ll be used to working at heights, which is why our scaffolders insurance can cover you for working at a range of different heights. The work you do involves you putting up scaffolding to allow other site workers to reach the higher levels of buildings during any construction work – a profession therefore that poses a number of risks and perils making getting the right insurance and right levels of cover all the more important. We’ll provide the protection you need to cover yourself and your employees (should have you any) with policy cover for working at height, with heat and sharp tools. Our cover is ultimately designed to manage these risks and keep your business safe with a tailored business insurance package from The Insurance Octopus, giving you all the essential cover you need in one business insurance policy.
What your scaffolders insurance policy includes
Public Liability insurance
Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your business. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurers terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability cover for scaffolders
Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
All Risk insurance cover
All Risk insurance covers your possessions such as a laptops, tools, mobile phones away from your business premises or home.
Equipment Damage cover
Equipment Damage cover helps you as a scaffolder, and protects your tools. Tools are expensive investments that need to be safeguarded should they ever be stolen or damaged. Replacing or repairing your trade equipment can be costly, so you need to be covered for all eventualities. Equipment Damage Insurance can provide comprehensive cover so that you can replace any damaged, lost or stolen items and keep your business running.
Why you need scaffolders insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities, full tool and equipment cover. You can also add additional covers, specifying areas such as working up to 50 meters in height. We’ll look to help you tailor your business insurance policy to the needs of your business.
Tradesman cover experts
One of our tradesman insurance experts will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.
Your policy arranged same day
Trade insurance options available via our panel of UK brokers covering you for sector specific situations as required. We can provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit.
Why choose The Insurance Octopus for Scaffolders Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Scaffolders Insurance FAQ's
Get the answers you're looking for
Do I need personal accident cover?
Personal accident cover is recommended to anyone working in a construction role. For a scaffolder, it’s especially important as working with heat, height and sharp tools puts you at a higher risk of injury or accident. Personal accident cover can also benefit potential clients, as it gives them peace of mind that you will be protected when working on their projects. This shows that you are a professional and can be trusted in your field.
Can you offer scaffolders insurance for work on commercial and industrial properties?
Our scaffolders insurance can be tailored to work on either residential, commercial and industrial properties, or on all of these property types. The best way to decide which insurance coverage is best for you and your business, is to give us a call today and chat to one of our friendly team members. There is also the option to change your insurance policy if you business takes on new types of clientele and property types. This is an ideal option for start-ups or budding businesses.
Can you include general building work in your scaffolders insurance?
Scaffolders insurance will not cover you for general building work and it is not recommended that you do normal building work without the correct insurance. By doing so, you will cause unnecessary risk to you and your business. However, we have a wide range of unique scaffolders insurance options that can be tailor-made to be inclusive of general building work. If you’d like to be covered for more than scaffolding, discuss your plan and the work that you do, with one of our agents today.
How insurance for scaffolders works
Examples of Scaffolders Insurance in action
A Scaffolders legal costs are covered
A scaffolding company is hired to install scaffolding at a small business so that urgent roof repairs can be made. When the scaffolders arrive the equipment they bring is inadequate for the roofers to get where they need to be. The result is that the work is delayed, and the small business loses out on another day’s trade. They sue the scaffolders for loss of earnings, the costs of which the scaffolders have covered via their commercial legal expenses cover under the contract & debt recovery section.