Public liability
Collapse or insecure scaffold
Damage to neighbouring property or injury to the public from scaffold failure is a core PL exposure.
Trade cover
Scaffolding Insurance
Scaffolding cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Height work, site risk and contract wording
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.
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.
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."
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Employers' liability
Employee injury at height
Employers' liability is compulsory if you employ anyone working on or around the scaffold.
Contract requirements
Principal indemnity wording
Main contractors often require indemnity-to-principals wording and stated PL limits in your policy.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Professional indemnity
For advice, design or consultancy work. Limits from £50,000 to £5m.
Tools and equipment
Optional cover for theft, loss or accidental damage to your kit.
Contract works
Cover for work in progress where the contract makes you responsible for unfinished builds.
Indemnity to principals
Included on our scaffolder policies where contracts require principal indemnity.
Prices start from
£349.95 / year
including IPT
or from £32.46 per month
What scaffolding cover costs
£349.95 is the lowest price available on our quote form for public liability for scaffolding. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £32.46 a month. The total you pay by instalments is higher than paying in full.
It is not a typical package and most policies cost more.
Illustrative monthly Direct Debit instalments, subject to eligibility. A deposit applies by card; paying in full costs less.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
Claims we have handled
Settled examples from tradespeople. Each outcome depended on the cover in force at the time.
Public liability
An electrician replaced a consumer unit and a short circuit damaged the client's appliances.
Public liability covered the property damage claim.
Scaffolding
A scaffold collapsed onto neighbouring property during erection work.
Public liability responded to the third-party property damage.
Painting and decorating
A decorator knocked over a tin of gloss paint, staining carpets and furnishings.
Public liability covered the damage to the client's property.
Employers' liability
An employee fractured their ankle after falling from a ladder on a customer's site.
Employers' liability covered the employee's injury claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
5.0 out of 5 from 368 Google reviews
I dealt with Nick today, great experience, very helpful and informative as well as getting me the best price possible. i would highly reccomend using Nick for your insurance needs
matthew borrowdale
a month ago · Google
Very happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
Mark Haynes
3 months ago · Google
Nick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
Jamie Davin
3 months ago · Google
Scaffolding Insurance FAQs
Usually public liability first; employers' liability if you have staff; tools, professional indemnity or contract works depending on the contracts you take on.
Public liability for scaffolding starts from £349.95 a year, including Insurance Premium Tax, on our site. £349.95 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £32.46 a month, subject to eligibility. Paying in full costs less.
It is not a typical package and most policies cost more.
It is wording included on our scaffolder policies to meet contract requirements that indemnify the principal on the project.
Complete our online quote form or call 01773 810072.
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
- 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.
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.
See your scaffolding price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Scaffolding Insurance
from £349.95 a year or £32.46/month incl. IPT; your price depends on what you select