Scaffolders Insurance
Protect your scaffolding business with tailored insurance from our trusted insurers. Get instant cover for public liability insurance and tools insurance.
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Rated 4.8 out of 5| 4500+ reviewsWhat is scaffolders' insurance?
Scaffolder insurance is a specialist trades insurance policy designed to cover the unique risks your business could face day to day. From protection against third-party injuries and property damage, to protection when you’re working at height and tool theft. Cover is flexible, meaning you only pay for protection that’s relevant to your scaffolding business.
Your policy can include a combination of covers such as contractors combined, contractors all risks, professional indemnity and personal accident cover. You only pay for what you need, based on how and where you work.
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Do scaffolders need insurance?
While public liability insurance isn’t legally required, most clients, main contractors and associations will require you to have it before you step on site.
However, if you employ anyone, even labour‑only subcontractors, employers’ liability insurance is a legal requirement in the UK.
Without insurance, a single claim could mean paying legal costs, compensation and repair bills out of your own pocket. Scaffolders’ insurance could protect both your income and your reputation.
Public liability insurance for scaffolders
Public liability insurance for scaffolders helps protect you against claims of third-party injury or property damage that might occur when you are working. For example, as you are putting scaffolding up on a client’s house, you accidently hit a window, and it smashes. Public liability insurance helps to make sure you’re not left to pick up the pieces, providing cover against the legal fees associated with defending a claim.
What does scaffolders' insurance cover?
Contractors combined insurance
Contractors combined insurance packages several essential covers into one policy, making it ideal for scaffolding contractors working across multiple sites. This includes public liability and employers’ liability all under one policy.
Contractors all risks insurance
Contractors all risks insurance can help cover damage or loss to work in progress, materials and sometimes plant and equipment. If scaffolding materials are damaged by fire, flood, vandalism or theft during a project, this cover can help prevent major financial losses.
Professional indemnity insurance
Professional indemnity insurance can protect scaffolders who provide design input, calculations or technical advice. If a client claims your work or advice caused them financial loss, this cover helps with legal defence costs and compensation.
Directors’ & officers’ (D&O) insurance
D&O insurance can help protect company directors or senior managers if they’re personally accused of mismanagement, breaches of duty or regulatory issues.
Legal expenses insurance
Legal expenses insurance can help cover your legal costs if you need to pursue or defend a claim, such as contract disputes, employment tribunals or tax investigations. It gives you access to legal support without worrying about solicitor fees.
Occupational personal accident insurance
If you’re injured whilst working, occupational personal accident insurance can provide a payout to support your income during recovery. It’s particularly valuable for self‑employed scaffolders who don’t have sick pay to fall back on.
Material damage cover
Material damage insurance can help cover loss or damage to your scaffolding materials, tools or equipment caused by events like fire, theft or accidental damage, helping you replace essential items quickly and keep projects moving.
Insurance covers for scaffolders
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