It can be hard for scaffolders to find insurance because of the increased risk of accidents. But BJP’s relationships with some of the country’s leading insurers can ensure you get quality cover.
Tradesmen who work at height can find it tricky to find insurance at a reasonable price because insurers are reluctant to take on the high risk of paying out for serious accidents. The statistics speak for themselves: In 2014, 25 work-related fatal slip, trip and fall injuries were reported by the Health and Safety Executive (HSE), more than half of which were due to falls from a height.
Who is scaffolders insurance for?
All scaffolders need insurance, whatever the size and scope of their business. You may be a sole trader contracted to a number of larger projects, or a mid-sized business with scaffolding being one of many services you offer. You may specialise in residential properties, or focus on large urban projects. Whatever your situation, you need an insurance solution that takes into account your real needs.
Scaffolders all over the county rely on BJP to find them individually tailored insurance plans that combine quality with price.
What does a scaffolders Insurance plan include?
At the heart of most Scaffolders Insurance plans are the three most important liability covers – Public, Employers and Product. These may vary, depending on the size and focus of your business. And other covers may be added, depending on your needs.
Here’s a description of the most essential insurance covers for scaffolders:
Scaffolders Public Liability Insurance
Imagine if a member of the public got drunk, climbed your scaffolding and had a nasty accident resulting in a disability or death. If you were unlucky, your business could be found responsible for the injury and subsequent costs, even if strongly felt it wasn’t your fault. Public Liability Insurance ensures that you’re covered financially in such cases. It can literally save your business.
Employer’s Liability Insurance
This protects you in a similar way to Public Liability Insurance, only against claims from your own employees (including casual workers, part-time staff and labour only sub-contractors) – which isn’t uncommon in the scaffolding trade. Employers Liability Cover is a legal mandate for most businesses in the UK, so being without it could land you in serious trouble, whether or not a claim is actually made against you.
Personal Accident Insurance
Scaffolders face a significantly higher risk of accidents than most other professions in the UK – you only have to look at the statistics on HSE’s website (LINK?) to have that confirmed. Many insurers are reluctant to insure scaffolders against accidents, but at BJP we work hard to secure businesses the cover they really need. If you had a debilitating accident, Personal Accident Cover would provide you with a replacement income.
Van or Commercial Fleet Insurance
A van, lorry – or fleet of vans or lorries – are the mainstay of any scaffolding business. Even if you’re already insured, it may be cheaper for you to attach your vehicle insurance to your Scaffolders Insurance plan. BJP can find you competitive quotes to make sure you’re fully covered.
Additionally, our scaffolder clients often choose to take out:
- Tools and Materials Cover
- Contract Works Cover
- Office Insurance
Why compare Scaffolders Insurance with BJP?
Quality Scaffolders Insurance is hard to find. You need a professional broker on your side, who understands the market and can rely on trusted partnerships with reliable insurance companies. That way, you know you’re getting what your paying for, without the stress of trying to figure out the small print.
At BJP we have nearly 20 years’ experience arranging insurance for the construction industry. We know exactly who to approach in order to find you a Scaffolders Insurance solution that offers real cover, and at a price that won’t break the bank.