Scaffolding Insurance for a High-Risk Industry

What you need to know

There’s no two ways about it, scaffolding is a tough, high-risk job. Whether you’re putting up scaffolding for homes, office buildings or industrial sites, you’re working at height, dealing with heavy materials and facing potential risks every single day. One accident, one claim, and your business could take a serious financial hit, which is why having the right insurance isn’t just important, it’s essential.  

What insurance cover do scaffolders need?

Given the unique risks of the trade, a one-size-fits-all policy just won’t cut it. Here’s what you need to stay protected:

1. Employers’ Liability insurance - a legal must-have

• If you employ staff, UK law requires you to have this.
• It covers compensation claims if an employee is injured or falls ill due to work conditions.
• A minimum cover is required of £5 million (though most policies offer £10 million).

 

2. Public Liability insurance - essential business protection

• Covers claims from third parties (pedestrians, visitors or property owners) for injury or damage caused by your scaffolding work.
• Cover usually ranges from £1 million to £10 million, depending on your projects.

 

3. Contractors’ All Risks insurance - protect your investment

• Covers materials, tools and equipment on-site against theft, vandalism, fire or extreme weather.
• Vital for protecting expensive scaffolding structures before completion.

 

4. Professional Indemnity insurance - for design & consultancy work

• If your planning, calculations or advice lead to financial loss for a client, this covers you.
• A must-have for scaffolders offering design, structural calculations or project management.

 

5. Tools & Equipment insurance - keeping your kit safe

• Covers theft or accidental damage to tools, plant and hired equipment.
• Especially crucial given the rise in tool theft across UK construction sites.

 

6. Personal Accident & Income Protection - your safety net

• Provides financial support if an accident stops you from working.
• Covers medical expenses, lost earnings and rehab costs.

 

Why choose an independent broker like Ascend Broking?

Not all insurance policies are created equal, especially in high-risk trades like scaffolding. That’s where an independent broker like Ascend Broking comes in. We offer:  

1. Tailored cover that fits your business

We work with specialist insurers to build policies that match your exact needs, whether you’re a sole trader or running a large scaffolding firm. There are no ‘cookie-cutter’ policies here.

2. Access to specialist insurers

Many mainstream insurers avoid scaffolding altogether. We have strong relationships with niche underwriters who offer competitive rates and comprehensive cover you won’t find elsewhere.

3. Expert risk management advice

Beyond just setting up your policy, we help you put risk management strategies in place to lower your premiums. From safety audits to claims prevention, we’ve got your back.

4. Dedicated claims support

If something goes wrong, you need a broker who fights for you. We handle claims on your behalf, helping you get back to work with minimal downtime and disruption.

5. Flexible & future-proof cover

As your business grows, so do your insurance needs. We’ll review your policies regularly to make sure you’re always covered - and that you’re not overpaying.

  Secure the right cover for your scaffolding business

  Scaffolding is an essential but high-risk industry, and the right insurance is crucial for protecting your business and staying compliant. By working with Ascend Broking, you get access to specialist policies, expert advice and top-tier claims support, helping you safeguard your livelihood.

Get in touch with Ascend Broking today to discuss your scaffolding insurance needs and secure the protection your business deserves. Call us on 01245 449060 or email info@ascendbroking.co.uk.

 

Any questions? Please don’t hesitate to contact one of our team.

 

Matthew.Collins@ascendbroking.co.uk  |  Office: 01245 449060