Scaffolding Public Liability Insurance

Scaffolding Public liability insurance policy can be tailored to suit a range of risks, besides arranging cover for single parties, ranging from the self-employed to large limited companies. Where there are many employees and labour-only sub-contractors, for example, we can even arrange cover that will provide liability cover for labour-only 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. The consequences would result in an injury to someone on site. In addition to their injuries, there is the legal cost of settling this type of incident. Furthermore, the scale of their injuries would result in financial liability to you and your business. In this case, such an incident would be significant. That’s why it’s vital to ensure you are covered by scaffolding public liability insurance before you even set foot on-site. Accordingly, the moment you go on-site, you could be put at risk of a claim. At the same time, liability can stem beyond factors that you control yourself. If a child were to scale your scaffolding and injure themself, you could be held liable for the resulting trauma. This also applies even when you are not on site. For example, you also have to consider, for instance, if materials or tools are stolen from the site. Coupled with the inconvenience and resulting financial impact, this can be devastating. At best, you will need to rebuy your tools and stock to complete the job. You are likely eliminating all profit from a job. Worse, the resulting damage from losing a considerable amount of materials can ruin your business. I am leaving you to recover with no support from insurance. Cover can even be applied to ensure your equipment and materials are covered en route to a construction site. At Crosby Insurance, we can also help provide the necessary 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. For example, during work, you may drop a tool from a height, causing damage to someone’s car or property. A similar scenario can harm a neighbouring building, so daily risks to you and your staff warrant adequate scaffolder liability insurance.