Scaffolding Insurance - Tradesman Insurance 4U

Scaffolding Insurance

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Scaffolding Public Liability Insurance

Comprehensive Protection for Your Business

Scaffolding work presents unique risks, making robust public liability insurance essential for safeguarding your business, employees, and clients. At Tradesman Insurance 4u, we understand these challenges. Our specialised scaffolding insurance policies offer comprehensive coverage, from employers liability to professional indemnity, all in one streamlined package. Easily customisable through our online form, these policies ensure single-premium convenience, unified documentation, and one renewal date.

Whether you manage a scaffolding enterprise or operate as a solo contractor, our tailored policies are designed to give you peace of mind, allowing you to focus on your business's growth.

Indemnity to Principals

Are automatically included in our scaffolder policies. These clauses satisfy a requirement in a contract for the contractor to provide an indemnity to a principal, or a requirement for the contractor to extend his liability policy so that the principal is indemnified as if he were the insured.

Scaffolding Company Articles

Dive deeper into the nuances of scaffolding insurance through our informative articles, crafted by our experts, to guide you in choosing the right coverage. Start with Scaffolding Public Liability Insurance: Protecting Your Business with Tradesman Insurance 4u? for insights into safeguarding your business effectively."

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Making insurance simple

Choose your limit of cover

Whether it's £1,000,000 or £10,000,000 you need, we've got you covered.

Add additional insurance

From professional indemnity insurance to additional tool cover, add all the cover you need with your public liability insurance in one quote form and we'll tailor your insurance policy to suit your needs.

Safe & secure online applications

Use our simple and secure online form to request your quote.

Stress-free insurance

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Simple quote form

Request a quote with our online form in 6 simple steps. One policy, one set of documents.

UK-based contact centre

Our UK-based call centres are full of friendly staff who are here to help.

Peace of mind

With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.

Looking for further information?

Speak to one of our friendly and helpful advisors

01773 810072

Lines open between 8am and 8pm, Monday to Friday

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Tradesman Insurance FAQs

What insurance does a Scaffolding need?

Most Scaffoldings start with public liability insurance. If you employ staff, you're legally required to hold employers’ liability insurance. Depending on your work, you may also need cover for tools, personal injury, professional indemnity or contract works.

How much does Scaffoldings insurance cost?

Scaffoldings public liability insurance starts from £349.95 per year or £29.16 per month via Direct Debit (if your premium is over £200). Final costs depend on the work you do and the cover levels you choose.

How do I get a quote?

Just complete our quick online form or call us on 01773 810072. You can also request a callback.

Where can I find out more?

Visit our full FAQ page or explore the insurance types section for more information about specific covers.

Tradesman Insurance Claims

Site damage, injury and tools claims: practical help when a job goes wrong.

Here to help

A customer alleging damage, an injury on site or a tools theft claim can stop the next job cold. Even before an official claim is lodged, the legal advisors we work with can help you understand what to photograph, keep and report.

Our advisors guide you through preparation and how to protect yourself while the claim progresses. See our step-by-step claims guide for what to do first. Most policies require you to notify your insurer using the details on your schedule.

How to make a claim

To discuss your insurance requirements, or if you are unsure which insurer to notify, you can call us on:

01773 810072

Lines open between 8am and 8pm, Monday to Friday

Tradesman Insurance Claim Examples

  • Public liability

    A painter and decorator was finishing a job in a house with a newly laid carpet. They accidentally dropped an open tin of gloss with obvious results. The customer claimed the cost of the carpet and the labour to re-fit a new one.

    Public liability insurance covered legal expenses and the compensation awarded.

  • Professional indemnity

    A structural engineer was tasked with calculating the amount of steel beams and lintels required for a commercial building. During construction it became apparent that the calculations were wrong and the steel would not hold the required load. The project had to be restarted, resulting in a heavy financial loss and large claims against the engineer.

    Professional indemnity cover paid the claim and helped keep the engineer in business.

  • Public liability

    A scaffolding business had scaffolded a house without securing it properly. In strong winds the scaffolding collapsed onto the next door neighbour's house, destroying a large section of the roof.

    Public liability insurance covered the claim made against the business.

  • Public liability

    A kitchen fitter was fitting cupboards and accidentally knelt on a client's new electric hob, causing it to crack.

    Public liability insurance covered the claim for a replacement hob and fitting costs.

  • Public liability

    A commercial carpet cleaning company was cleaning an office carpet when the heat was too high, which shrunk and discoloured the carpet.

    Tradesman insurance covered the compensation claim for a new carpet and fitting costs.

Working at on scaffolding covered by public liability insurance

Professional indemnity insurance for scaffoldings

Professional indemnity insurance is important for scaffoldings who provide advice, plans, or professional services. It protects you if a client suffers financial loss due to a mistake in your work. Cover can be taken on its own or added to a wider policy. We offer limits of indemnity from £50,000 up to £5 million.

Public liability insurance for scaffoldings

This is usually the core of a scaffolding insurance policy. Public liability insurance protects you if someone is injured or property is damaged due to your work. We offer limits of indemnity from £1 million to £10 million to meet a wide range of client and contract requirements.

Employers’ liability insurance

If you employ staff, even part-time or temporary workers, employers’ liability insurance is a legal requirement. It covers claims from employees who become ill or are injured through their work with you. This is especially important for high-risk trades like construction, engineering, or industrial work.

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Get the right insurance for your business

  • Review your policy documents carefully before you commit. Know exactly what’s included and excluded.
  • Choose a suitable level of cover so you’re not left underinsured if a claim arises.
  • Accurately estimate the value of your tools and equipment. This ensures you can replace them if lost, stolen, or damaged.
  • If you employ anyone (even part-time or at home), you’re legally required to have employers’ liability insurance. Fines for not having it can be up to £2,500 per day.
  • Even when not required by law, the right insurance helps protect your livelihood and keep your business running smoothly.

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What affects the cost of Scaffolding insurance?

The following factors can affect the cost of scaffolding insurance:

  • Type of scaffolding: The type of scaffolding you use will affect the cost of your insurance. For example, scaffolding that is used for commercial purposes will be more expensive to insure than scaffolding that is used for residential purposes.
  • Height of the scaffolding: The height of the scaffolding will also affect the cost of your insurance. The higher the scaffolding, the more likely it is to cause injury or damage, so the insurance will be more expensive.
  • Location of the scaffolding: The location of the scaffolding will also affect the cost of your insurance. Scaffolding that is located in a busy area will be more expensive to insure than scaffolding that is located in a less busy area.
  • Amount of Experience: The experience of the contractor who is erecting the scaffolding will also affect the cost of your insurance. Contractors with more experience are less likely to make mistakes, so their insurance will be less expensive.
  • Claims History: The history of claims will also affect the cost of your insurance. Contractors with a history of claims will be more expensive to insure than contractors with a clean claims record.

Why is scaffolding insurance important?

Scaffolding insurance is of paramount importance for scaffolding contractors, as it offers essential protection against the inherent risks associated with their line of work.

From potential accidents during erecting and checking to site assessments with customers, the industry demands a high level of care and attention. Insurance coverage provides financial security, mitigating liabilities, and covering equipment and employees.

Coverage can include:

  • Public liability (up to £10 million)
  • Employers' liability
  • Professional indemnity insurance
  • Personal accident cover
  • Additional tool cover
  • Legal expenses
  • Equipment cover
  • Stock cover

Why choose Tradesman Insurance 4u?

  • Specialised in scaffolders insurance
  • Indemnity to principals automatically included
  • Quote comparisons
  • 30+ years of experience
  • UK-based expert contact centre
  • 24 hour crisis helpline

Contact one of our helpful advisors on 02071 185247 today for more information.