Scaffolders Liability Insurance
Vital liability insurance
Scaffolders Liabilty Insurance
Scaffolding is something that can be seen almost anywhere as you go about your day. From stadiums in construction to shop fronts undergoing renovation, it’s a part of the every day for countless contractors.
Behind the scaffolds are people, operating in any and all conditions to keep projects on track. When working on scaffolding it’s vital to ensure the correct safety precautions are taken, as active work sites are often amongst the most susceptible to workers risks. As such it’s also vital to ensure you have adequate scaffolder liability insurance.
At Crosby Insurance we’re happy to provide advice to help reduce the chances of serious financial damage following an accident on-site while working on scaffolding.
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What Can Scaffolders Liability Insurance Provide Cover For?
A scaffolder insurance policy can be tailored to suit a range of risks. Protection can be arranged for single parties, ranging from the self-employed all the way to companies of up to 10 employees. We can even arrange cover that will provide liability cover for sub-contractors working on your behalf.
Often one of the most considered risks for scaffolders is public liability cover. As an example imagine you are working on renovating a shop front when you accidentally drop your toolbox, resulting in an injury to someone below. Regardless of the scale of their injuries, your financial liability for such an incident would be significant. That’s why it’s vital to ensure you are covered for public liability before you even set foot on-site, as the moment you do you could be put at risk of a claim.
In fact, liability can stem beyond factors that you control yourself. If a child was to scale your scaffolding and injure themself then you could be held liable for resulting trauma, even if this occurred while you were off-site.
In the event of materials or tools being stolen the resulting financial impact can be devastating. At best you will need to rebuy stock to complete the job, likely eliminating all profit from a job. At worse the resulting damage from a loss of a considerable amount of materials can ruin your business, leaving you to recover with no support from insurance. Cover can even be applied to ensure your equipment and materials are covered while en route to a construction site.
At Crosby Insurance we can also help provide the necessary level of protection to buildings, vehicles and property. Damage from dropping objects is a common cause for a claim made by a third party against a scaffolder. As an example during works, you may drop a tool from height, causing damage to someone’s car as they are driving past the worksite. A similar scenario can result in harm being done to a neighbouring building, so the level of risks to you and your staff every day certainly warrant effective scaffolder liability insurance.
What Level of Scaffolding Liability Insurance Do I Need?
A number of businesses nowadays will treat their business-related insurance like their personal insurance. However, taking the approach of shopping around solely based on price rarely works in the same way as it will for your car insurance. It’s important to consider the difference between a cheap price and value for money.
If your scaffolder liability insurance is a generic, out the box policy it is unlikely to give you adequate protection and therefore represents poor value for money. You need to consider the level of cover required, ensuring you, your staff, sub-contractors and your surrounding environment is properly protected.
A further example of a cover that is seldom part of generic scaffolder insurance is bonds. This can assist in the event of an unhappy client or from recent works that require repairs to rectify. With correct bond coverage, the shortfall in funds required to make such changes is often accounted for, reducing strain on your projects margin.
When considering the correct level of scaffolder liability cover you need is also goes without saying that claim risk is high within your sector. While the excess and maximum policy coverage can often be breezed over as numbers that mean little the result of not considering these factors can be devastating.
The nature of the industry means injuries can happen, so having scaffolding public liability insurance and having funds available to help workers recover after accidents and support their family is an important factor you need to consider.
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When Do I Need To Get Scaffolding Liability Insurance?
The sooner you get scaffold public liability insurance the better. With the correct coverage, you can swiftly move on to integrating the costs into your quotes to potential clients. In fact in an industry that is still surprisingly rife with trade ‘cowboys’ a comprehensive scaffolder insurance policy offer reassurance to your prospective customers. As soon as you have insurance it is certainly worth mentioning during the quoting process as it may prove the difference when securing contracts.
It’s worth bearing in mind that getting scaffolding liability insurance that is tailored to your exact needs means it’s more cost-efficient. With the correct policy you will only be paying for what you need, and not the bolt on’s many generic policies come with!
Get in touch with our broker team today, for free advice on your scaffolder liability insurance. We’re experienced in assisting a range of construction and trade professionals, from self-employed to full size contracting businesses.