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What is scaffolders' insurance?
Scaffolders’ insurance is a group of covers designed to protect those who assemble, maintain and dismantle scaffolding. Given the inherent risks associated with working at a height and managing complex, temporary frameworks, scaffolders face unique challenges every day.
This insurance package typically includes public liability insurance, which covers injury or property damage claims from third parties, as well as employers’ liability insurance, protecting against claims made by employees injured during their work.
| Professional negligence | |
| Injuries caused to third-parties in the course of your business activities | |
| Manual handling accidents | |
| Loss or damage to documents |
Why do scaffolders need insurance?
The scaffolding profession is subject to strict safety regulations and is exposed to significant hazards, such as accidental falls, collapsing structures, or damage to surrounding property. Without adequate insurance, scaffolders could be liable for costly claims, legal expenses, and compensation payouts, threatening the future of their business. Scaffolders' insurance acts as a safety net, allowing businesses to focus on their work with confidence, knowing that unforeseen incidents will not become catastrophic setbacks.
Employers’ liability insurance is a legal requirement if you have employees, covering workplace or work-related injuries or accidents.
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What scaffolders’ insurance can cover?
Scaffolders' insurance can include a range of covers, depending on your individual circumstances and needs. Below are some examples of what can be covered under our scaffolders' insurance; however, your full insurance policy depends on which types of policy and sections of cover you choose. Our advisors will be happy to talk through the insurance policies Ollo Insurance can offer and what they provide cover for. Our scaffolders' insurance can cover your legal costs and expenses in defending a claim, and any compensation or costs that may subsequently be awarded (please check your policy terms and conditions for full conditions), following:
What can be covered:
| Professional negligence – such as making an error in a piece of work for a client, which results in them losing money | |
| Injuries caused to third-parties during business activities – such as a customer slipping over a piece of equipment and claiming for compensation | |
| Manual handling accidents – such as an employee injuring their back whilst lifting heavy goods at work resulting from inadequate training | |
| Loss or damage to documents – our policies can cover the cost of replacing or restoring any document which is lost, damaged or destroyed during the policy year to ensure you can keep trading with minimal disruption |
What cannot be covered:
| Client’s reputational damage – for example, professional indemnity insurance would not respond if your negligence resulted in your client needing to spend costs to recover from reputational damage | |
| Deliberate or reckless acts you commit – for example, public liability insurance would not respond if you or an employee caused deliberate harm to a member of the public |
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
Browse all FAQsNo, professional indemnity insurance is not required by law for scaffolders. However, some businesses and customers may require you to secure the cover before beginning a professional relationship.
If you have any questions, contact one of our insurance experts here.
Further reading for scaffolders' insurance
Understanding the different types of business insurance
Written by Michael Lawrence
What is professional indemnity insurance?
Written by Michael Lawrence