Scaffolding insurance

Scaffolding is a high risk business, where your work is mostly on temporary structures erected too high from the ground. Whether you are a worker, contractor, or own a scaffolding business, onsite activities are beyond your control and are prone to uncertainties including falls, equipment damage, and accidents or injuries occurring to third parties. Hence, it is crucial for anyone involved in scaffolding business to have scaffolding insurance to reduce business risks.

Scaffolding Insurance is designed to cover

Restaurant owners, and food business operators whether dine-in or takeaway businesses are recommended to have restaurant insurance. Depending on the nature of the food business, size, location, and turnover, you can seek help from our insurance experts to get you the most suitable restaurant insurance policy.

When to take the insurance?

Commercial scaffolding
CBD scaffolding
Industrial scaffolding
Residential scaffolding

Why do you need to have scaffolding insurance:

The need for scaffolding insurance is directly connected to the level of risk this business holds. So whether you are a trader, contractor, or someone who is involved in the direct scaffolding business, a scaffolding public liability insurance can help you overcome the following business associated risks:

• 1.Risks accompanied with installation, use, maintenance, and during the dismantling process of scaffolders
• 2.In transit risks that include falls, slips, trips, and resultant damage/loss
• 3.Damage to onsite property, people, and also to that of others
• 4.Theft of scaffolding/support equipment

Benefit from a wide range of insurance plans

Insurance cover for a multi-line scaffolding with features customized to your business/individual needs. We are Australia’s most preferred and trusted insurance company with expert scaffold brokers making every process easy for you.

1. Key Scaffolding insurance services

The scaffolding business’s biggest threat is improper scaffolding that leads to serious injury/loss of life. The onsite activities are beyond your control, and claims may fall on you even before you can be at the site to get hold of the situation. Hence public liability insurance is seen as vital.

Scaffolding comes with a risk of property damage, a severe human injury or sometimes even a loss of life on the job. As the risks to scaffolding are higher so are the costs and financial consequences that you may have to incur, if your business is found to be at fault. The eventualities of such damages against your business and your repute can be covered by the public liability insurance. From accidental claim costs, professional negligence claim, to the legal expenses that you may have to incur during such a claim process are covered.

2. Income Protection

Income protection insurance is highly recommended for self-employed individuals. Unlike worker’s compensation where the employer compensates for the employee’s loss, if you work on your own or are employed on wages, income protection insurance helps you to financially sustain the period. Scaffolding is prone to high risk injuries and income protection insurance will ensure that you are provided for, and your income is safeguarded until you get back to work.

3. Tools, Equipment & Stock Insurance

This insurance provides a cover for theft, fire, damage, and loss of scaffolders equipment one that is used as part of the projects and another that covers the loss, theft, or damage to the ones stocked on a client’s site. An insurance cover will help you with the expenses of tool replacements. For larger scaffolding specific equipment used on the site, a specific plant cover insurance may be provided.

4. Hired-in Equipment Insurance

This insurance provides a cover against loss, theft, and damage of scaffolding equipment on the project site, for an array of equipment including mobile scaffolding towers or lift machines that had been rented as part of your project. Save on the expense of repair/loss/replacement of scaffolding equipment by getting them insured.

5. Contract Works Insurance

Contract works insurance provides for any claims done while the project is under tender or post completion period.

6. Professional Indemnity

Unlike public liability insurance, a professional indemnity is something that protects you and your company’s reputation. It provides a cover for any kind of error or breach of your professional duty

How Much Is Covered Under The Coverage?

$5 - $10 million, and $20 million coverage is provided under public liability insurance, higher limits are available on client request
As per the client’s request, we offer cover for sub-contractors too
Both commercial and residential scaffolding is covered under scaffolding insurance
High level works over 10 meters
We provide cover for high risk situations including mine sites, marine, and the like

What Sort Of Claims Do Scaffolders Have?

Dropping of equipment from height
Collapse of scaffolding due to poor construction
Collapse of scaffolding due to unforeseen weather events
Trip and fall claims for people on your job site
Worker to worker claims for contractors and sub-contractors who injure themselves on your job site.
Damage of structures scaffolders are working on
Getting sued by local state workers compensation due to claim made by contractors and sub-contractors
Fines due to occupation health and safety breaches

How To Renew The Insurance?

Based on your insurance plan and the renewal tenure, premiums need to be paid. You would get a notification about the due date along with the insurance policy details. You can reach our team and they would be happy to help you with the renewal process and may also suggest any upgradation in the plan that may be of benefit to you.

Claim Process & What Are The Documents Required?

Whether you are a scaffolding company, a scaffolding contract worker, or a scaffolding employee, the documents and the claim process will be specific to your unique situation. Consult our insurance experts and have all your queries answered. As scaffolding Insurance brokers we work with some of the top insurance companies in Australia. This enables us to represent you and bring the best appropriate insurance policy for your scaffolding business and your situation.