Insurance for ScaffoldersInsurance

Scaffolders Insurance — Specialist Cover for Temporary Structures

Scaffolding contractors face a unique combination of risks that require specialist insurance cover. The erection, alteration, and dismantling of temporary access structures involves significant working at height exposures, and the structures themselves create ongoing liability for the duration of their use by others. A scaffold collapse or a falling component can result in serious injury and substantial property damage claims. Standard contractors insurance policies are frequently inadequate for the specific risks of scaffolding work.

Public liability insurance for scaffolders needs to reflect both the erection and maintenance phases of a scaffold contract, as well as the period during which the structure is in use by other trades. Employers liability is a legal requirement and is particularly important given the physical nature of scaffolding work. Scaffold equipment — tubes, boards, fittings, and mobile towers — represents a significant capital investment that should be covered against theft, damage, and loss.

Focus Insurance arranges scaffolders insurance through specialist insurers with experience in the temporary structures sector. We can cover a range of scaffolding activities including independent scaffolds, birdcage scaffolds, tube and fitting systems, and system scaffolding. If you hire in equipment or use subcontract labour, we will ensure that your policy is structured to reflect these arrangements. Our brokers will discuss your business in detail before approaching the market.