Scaffolding Public Liability Insurance
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Scaffolding Public Liability Insurance
Scaffolding Public Liability Insurance can be seen almost anywhere as you go about your day. From stadiums in construction to shop fronts undergoing renovation. It’s all part of every day for countless scaffolding contractors.
Behind the scaffolds are people operating in conditions to keep projects on track. You will know that working on scaffolding, it’s vital to ensure the correct safety precautions. Safety considerations on an active work site are often the most susceptible to worker risks. Consequently, you must make sure you have good scaffolder insurance. Even after taking all the safety precautions. Having the right insurance will provide you with peace of mind. Obtaining expert help and guidance is prudent when buying scaffolding Public liability insurance.
At Crosby Insurance, we’re happy to provide advice to help reduce the chances of severe financial damage to your business. We ensure that the correct insurance is in place following an accident on-site.
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Scaffolders Liability Insurance Quote
What Can Scaffolders Liability Insurance Provide Cover For?
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. 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. For 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.
Scaffolding Public Liability Insurance
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.
Scaffolding Public Liability Insurance
What Level of Scaffolding Public Liability Insurance Do I Need?
Many businesses nowadays will treat their business-related insurance like their personal insurance. It’s more prudent however, to ensure when shopping around it is not solely based on price. Rarely does this work in the same way as it will for your car insurance. It’s essential to consider the difference between a low price, value for money, and suitable insurance cover.
If your scaffolder liability insurance is a generic, out-of-the-box policy, it is unlikely to give you adequate insurance protection. Therefore represents poor value for money. You must consider the level of cover that you required. This will ensure you, your staff, and sub-contractors are adequately insured.
Bonds are a further example of a cover that is seldom part of generic scaffolder insurance. This can help if an unhappy client or recent work requires fixing repairs. With correct bond cover, the shortfall in funds needed to make good such changes is often overlooked. Bond cover will reduce the financial strain on your business.
When considering the correct level of scaffolder liability cover, insurers consider the frequency of claims. The scaffolding trade historically has a higher incidence of claims. Consequently, the insurers also have a higher cost in settling these claims.
What Level of Scaffolding Public Liability Insurance Do I Need?
That claim risk is high within your sector. At the same time, the excess you pay if there is a claim. But also, what is the maximum policy limit of indemnity. Often, the client will breeze over these numbers without considering the implications. But this is where we can help you. Knowing how much you have to pay for a claim is vital. Without considering these factors can be devastating.
The nature of the industry means injuries can happen, so having scaffolding public liability insurance is essential. Having funds available to help workers recover after accidents and support their families is a crucial factor you need to consider.
Contact us today and enquire about our insurance services
When Do I Need To Get Scaffolding Liability Insurance?
The sooner you get scaffolders’ liability insurance, the better. With the correct coverage, you can swiftly move on to integrating the costs into your quotes to potential clients. Given the industry is still surprisingly rife with trade ‘cowboys,’ a comprehensive scaffolder insurance policy offers reassurance to prospective customers. As soon as you have insurance, it is 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 right policy, you will only be paying for what you need, not the bolt-ons many generic policies come with!
Don’t hesitate to contact our broker team today for free advice on your scaffolder liability insurance. We’re experienced in assisting construction and trade professionals, from self-employed to full-size contracting businesses.
Scaffolding Public liability Insurance experts
We offer more than just a policy
See what we can do for you today
Free
Scaffolders Liabilty Insurance Quote
We offer more than just a policy
See what we can do for you today
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