Scaffolder insurance

Protect your business from liability claims, equipment loss, accidents, and legal risks

Meet legal requirements, safeguard employees, and boost client confidence

Fast, competitive quotes from leading UK insurers—customised to fit your needs

Helping businesses with insurance for over 70 years

Finding you the correct cover

An open policy that we will mould to fit the risks you face everyday.

In-house claims team

Here to guide you through the unfortunate event of a claim.

Variety of cover

We have multiple insurers, like your traditional household names alongside some more niche A-rated bespoke insurers.

Award-winning

Proven broker, we won silver in the Insurance Times award for Commercial Lines Broker Of The Year, 2022.

Search our panel of scaffolder insurance specialists to find competitive cover

We work with a range of tradesman insurers from household names to small specialist insurers to find the best policy for your business.

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What is scaffolder insurance?

Scaffolder (or scaffolding) insurance is a specialised policy which protects scaffolders – and their businesses – from industry-specific risks. With the right coverage in place, it protects scaffolding professionals from third-party claims, the loss of tools, and more. Whether you operate as a sole trader or run a large firm, scaffolders insurance is an integral component of your operations. 

With insurance, you can complete scaffolding projects with confidence. It also means you can meet client and legal requirements, which is necessary for long-lasting business success.  

Why is insurance important for scaffolders?

  • Protects against public liability claims: Scaffolders face risks like falling debris and structural collapses. Public liability insurance covers compensation and legal costs if third parties suffer injuries or property damage. 
  • Legal compliance: Insurance is a legal requirement if you employ staff. Alongside covering employee claims if they’re injured while working on or near scaffolding, you avoid hefty fines for non-compliance. 
  • Mitigates professional risks: If you add professional indemnity insurance it can cover negligence claims if scaffold designs or consultations cause a project error. This is key if you’re a scaffolder offering design or planning services.  
  • Cover equipment: Scaffolding tools and equipment are valuable assets. With insurance, you’re given a layer of protection against theft, accidental damage, and vandalism. This minimises disruptions to business operations. 
  • Reduce financial losses from accidents: Scaffolding work, by nature, involves risks. Insurance cushions your business against significant financial losses arising from the likes of workplace accidents and damaged materials. 
  • Improves client trust: Clients usually require proof of comprehensive insurance. Scaffolding insurance demonstrates professionalism and responsibility – boosting your credibility and ability to secure more contracts in the process. 

What does scaffolding insurance include?

Public liability insurance

With scaffolding public liability insurance, it covers costs for claims relating to injuries or property damage caused by scaffolding work, such as falling tools or collapsed structures.

Employers' liability insurance

Protects against claims from staff injured while erecting or dismantling scaffolding. Along with financial protection, it ensures compliance as it’s a legal requirement when hiring employees.

Tools insurance

Covers the cost of replacing or repairing scaffolding tools – and potentially the scaffolding itself – if stolen or damaged. Additional coverage can include in transit goods.

Professional indemnity insurance

Imperative for any scaffolder offering design or consulting services. Professional indemnity insurance covers claims related to errors or negligence which result in financial loss.

Contract works insurance

This insurance protects against events like extreme weather and fire, where rebuild or repair costs are covered. Suitable for projects taking place over an extended period.

Personal accident insurance

Offers financial support if you or your employees suffer serious injuries while working. The intention is to cover medical expenses and lost income during recovery.

How much does scaffolder insurance cost?

Your coverage needs and business size, along with the level of risk involved, are some of the main factors influencing the cost of scaffolding insurance. For instance, a basic plan can be relatively low annually for smaller businesses. For larger operations with increased exposure, however, that cost is going to jump up significantly. This is due to factors like more employees and additional covers like contract works.  

There are ways to minimise your expenditure on insurance. The most effective is getting the right coverage without overpaying, which is where Radius can help.

Getting scaffolder insurance from Radius

Radius makes the process of finding tailored scaffolding insurance straightforward. With over 70 years of expertise in the industry, we understand the unique risks scaffolders face. Our team works with over 100 leading UK insurers to offer comprehensive policies at competitive prices.  

Are you a self-employed scaffolder? Maybe you’re running a large scaffolding firm? Whatever the situation, Radius assists in finding affordable protection without unnecessary extras. Our flexible options supply the coverage needed, giving you peace of mind knowing your business is fully protected.  

Frequently asked questions

Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.

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UK Fuels, Joseph W Burley and Partners and Milestone Insurance Consultants are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.