The importance of finding the right Scaffolders Insurance

Scaffolding can be a risky industry as it involves working at height in the open air. Compared with other industries, when accidents do happen, they have a much higher likelihood of being significant. 

The biggest risks include people or materials falling from height, unauthorised access from the public, the potential collapse of scaffolding and manual handling injuries to employees. It’s no surprise that insurance for scaffolders needs to be selected very carefully, with many insurers very cautious about covering scaffolding businesses.    

Whether you specialise solely in scaffolding or offer it alongside other services we can help you. As construction specialists, many of our clients carry out multiple services and we can arrange policies that reflect the full scope of your activities and provide the exact cover you need.  We do this for sole traders, right through to large contractors. 

We’ll carry out a detailed fact-find to ensure that we fully understand your business. This will include not only the nature of your work and the projects you work on, but also your Health & Safety procedures and even any trade associations you belong to. From there, we’ll work with insurers to find you competitive cover.

Why deal with BJP for your Scaffolders Insurance?

• Service – We provide professional, impartial advice to give you the peace of mind you need.
• Experience – We’ve specialised in the Construction sector, including many scaffolding contractors since 1997.
• Qualifications – Our account managers all hold Chartered Insurance Institute professional qualifications.
• Relationships – We have strong relationships with insurers ranging from global firms to niche specialists.
• Claims support – When you need us most, we help you manage and submit your claim to help you get your business back to normal.  

To discuss how we could help your scaffolding business, contact us or call us on 0345 365 2121 for a quote.  

What insurance cover does your scaffolding business need?

The exact cover you need will vary depending on the specific nature of your work. Following our fact find, we’ll provide tailored advice to help you make an informed decision as to the cover you need. The cover that scaffolding businesses typically arrange include:

Public Liability

If a third party – such as a customer or a member of the public – suffers an injury or damage to their property in the course of your work, public liability insurance provides them with compensation. The policy covers the cost of any damages awarded against you, as well as their legal costs. If you need high limits of indemnity for risky projects, high-value sites or local authority contracts, we can arrange limits of £10m or more where required. 

Employer’s Liability

If you employ anyone (including subcontractors) this cover is a legal requirement. If an employee is killed or injured in the course of their work, the policy covers the costs of damages and your legal costs. 

Contractors All Risks including Contract Works

This cover protects the cost of any physical damage to your work on a site. It can be extended to cover any plant and machinery that you own or hire in, your employees’ tools as well as temporary site buildings. 

Van or Motor Fleet

If you run company vehicles, we can arrange motor insurance for one vehicle, right through to a full company fleet.  

Tools and Materials

You’ll be aware that theft of tools from vehicles and sites is an increasing risk. Your policy can be extended to cover your tools and materials against theft or accidental damage.  

Personal Accident

If you or one of your employees are killed or injured and unable to work, this cover can provide financial support. Depending on the nature of the injury they could receive a one-off lump sum or recurring payments. 

Legal Expenses

If you find yourself involved in a legal dispute, this cover could help you resolve it. The policy covers legal fees, court costs (and in some instances, the cost of damages) for employment and contract disputes. 

Directors & Officers’ Liability

If you operate as a limited company, a third party could still try to pursue you personally for your actions as a director or senior officer. This is often a very affordable addition to your policy and can provide costs to help defend claims against your personal assets such as your home. 

These are just the core covers that most scaffolding contractors need, but we can offer a wide range of other options. We can even arrange your policy for up to 18 months if you need it to cover a specific contract period. 

There is very little we haven’t experienced before when it comes to scaffolding businesses. Your dedicated account manager will discuss all of your specific needs with you before we start approaching insurers. We’ll ensure that those needs are fully addressed when we get quotes for your business. 

Contact us through the website or call us on 0345 365 2121 to get started on your quote. 

How we support you in the event of a claim

If you need to make a claim, that’s when you find out the true value of your insurance. Our client team will help you at every stage, so you’re not left alone to manage the claim with the insurers. 

Our broking team have a full understanding of policy wordings and the claims process for our insurers. They will work for you to help ensure that the process runs smoothly. If you need to prepare any documentation in support of the claim, they will even help you with this.