Do Scaffolders Need Specialised Tradesman Insurance?
Trades such as roofing, scaffolding, and construction have plenty of risks involved for workers – but having incorrect insurance cover shouldn’t be one of them!
When working in trades such as scaffolding, it’s absolutely vital that you feel safe – not just physically, but financially, too. Having the right kind of scaffolding insurance can mean the difference between an accident on site being manageable, or devastating to your business and yourself.
But what is scaffolders insurance, and do scaffolders and other trades really need specialised insurance? Read on to find out more.
What is Scaffolders Insurance?
Scaffolders insurance refers to a specialised package of tradesman insurance cover that’s specifically relevant for scaffolders. This package of insurance policies is designed to protect you in the event that accidents happen while you’re working or on site. For example, a fall from a height would be covered with proper scaffolding insurance, as would damage or collapse of the building you are working on.
This type of cover protects you financially from scaffold-related incidents, meaning all you need to worry about is your personal safety while working.
What Kind of Scaffolders Insurance Should I Have?
In order to properly protect yourself from the unexpected while working in this kind of trade, its important to make sure your tradesman insurance package is comprehensive and relevant to you.
Some of the most important types of scaffolders insurance that should be included are:
- Scaffolding Public Liability Insurance
This type of insurance covers you financially in the event that a member of the public makes a claim against you or your business in regards to your work. Public liability insurance is not compulsory for businesses in the UK, however many clients or contractors will require you to have this in place in order to award you a contract.
- Employers Liability Insurance (if you’re employing staff)
Similarly to the above, Employers Liability Insurance covers you in the event of a claim made against you, but this time specifically from your employees. This is required by law in the UK.
- Plant and Tradesman Tool Insurance
As a trade worker, your tools are your lifeline. At Higos, we are able to provide Own Plant cover up to £50,000 (with a single article limit of £10,000) and tools including overnight cover in a vehicle for up to £5,000.
- Contract Works Insurance
This should be included in tradesman insurance cover to help cover you and your business while work is being completed.
- Goods In Transit Insurance
This covers your scaffolding materials as they are transported from site to site (or even from home!)
An additional type of cover within scaffolding insurance that helps protect you in the event you are taken to court or made a claim against to cover the cost of your legal expenses.
Scaffolding Insurance Quotes
For a tailored scaffolding insurance quote based on your needs and your business, get in touch with us today. Just call us on 01458 270323 or send in a Request for Call Back form to discuss your requirements and get a bespoke tradesman insurance quote that suits you.
For bespoke tradesman and scaffolding insurance, it has to be Higos.