Get your Scaffolders Insurance today
Need Scaffolders Insurance? You’ve come to the right place.
Scaff Cover is your trusted advisor for scaffolding insurance! We understand the unique risks of your trade and can arrange effective cover to help keep your business protected. Whether you’re a one-person operation working on-site or managing a full team, we make the process of finding insurance hassle-free. Less time chasing quotes, more time focusing on the job.
Want to know more? Call Quote Me Today on 01227 285 540 or fill in our quote form to get started.
What is Scaffolders Insurance?
So, what is Scaffolders Insurance? Scaffolders insurance also known as scaffold insurance or scaffolding insurance is a specialist policy created for businesses and individuals involved in erecting, dismantling, maintaining, or working with scaffolding. This type of work carries unique risks, such as working at height, handling heavy materials, exposure to the elements, and operating specialised equipment.
Standard insurance policies often don’t provide protection against these risks, which is why scaffolders insurance is designed to bridge the gap.
At Quote Me Today, as an independent insurance broker, we are free from ties to any single provider. This independence enables us to access an array of insurers and wholesale brokers, we can help secure the most suitable policies for your business requirements.
When choosing a new insurance broker, you’ll naturally want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.
For those who prefer not to pay their insurance policy in full, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost with convenient direct debits.
Quote Me Today prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.
As a commercial insurance broker, Quote Me Today are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.
In the last 20+ years, Quote Me Today has built excellent relationships with a wide variety of insurers and wholesale brokers.
Why choose Scaff Cover for your Scaffolders Insurance?
With so many brokers to choose from, we stand out for one simple reason: we put people first.
Our approachable, UK-based team provides honest advice, straightforward communication, fair pricing – and a touch of personality along the way.
From your initial enquiry through to ongoing policy management, our Kent-based staff – working closely with our trusted claims partner, iRevolution Claims – deliver hands-on, dependable support at every stage. We also offer flexible payment options for those who’d prefer not to pay in full.
Quote Me Today is a UK based, proudly independent insurance broker.
What are the different types of Scaffolders Insurance?
From standalone policies such as Public Liability Insurance to comprehensive packages with wider cover, you can choose the protection that best fits your business, including:
This cover can help to protect you if your scaffolding work causes injury to someone or damage to property. Unlike many standard policies that restrict or exclude work at height, our insurance includes unlimited height risks to reflect the realities of the trade.
Cover limits begin at £2 million, though for higher-risk projects we typically recommend £5 million to ensure stronger protection against complex claims.
If you’re applying for a pavement permit, proof of Public Liability Insurance is often required – making this cover not only a wise choice but, in many cases, a necessity.
If you employ staff, this cover isn’t optional – it’s a legal requirement. It helps protects your business against claims for workplace injuries or illness. Policies usually start at £5 million, with many insurers offering £10 million as standard.
Because scaffolding is a high-risk trade, you need cover that goes further. That’s why the policies we arrange include unlimited height risks, tailored to your line of work.
Some insurers also provide free health and safety training and resources – helping you raise standards, reduce incidents, and avoid potential premium increases at renewal.
Duct tape can’t fix everything – if your tools or equipment are damaged, the right cover makes sure you’re not left with the bill. And because tools are a common target for theft, having protection against loss or theft is simply smart business.
From scaffold towers to hired machinery, we’ll help you secure insurance that helps protect your equipment from damage or theft.
Working at height carries serious risks. If you or a team member are injured, Personal Accident Insurance can provide crucial financial support. Typical benefits include lump sum payments for major injuries, cover for medical expenses, and income protection if you’re temporarily unable to work.
Disputes can quickly become costly, especially once legal fees are involved. Legal Expenses Cover helps with the cost of defence and advice, giving you the reassurance that you won’t be facing a claim on your own.
Standard motor policies often don’t provide enough protection for commercial use. Fleet Insurance is designed for businesses with multiple vehicles and is especially useful in scaffolding, where drivers may change frequently due to shift patterns, staff turnover, sickness, or holidays.
With “any driver” cover, there’s no need to name every individual driver – helping you reduce admin, stay flexible, and keep your fleet moving smoothly.
| Action | How It Helps |
|---|---|
| Combine your cover | Choosing an insurance package may be more cost-effective than buying policies separately. |
| Increase your excess | A higher voluntary excess can help lower your premium, just ensure it’s affordable if you need to claim. |
| Invest in safety | Fewer incidents mean fewer claims, helping to avoid premium hikes at renewal. |
| Pay upfront if possible | Annual or two-part payments can help you sidestep interest fees on monthly instalments. |
| Keep your details accurate | Avoid over or underinsuring by regularly reviewing your wage roll and turnover, especially as your business grows. |
How can I save money on my Scaffolders Insurance?
Scaffolders Insurance covers high-risk work – but that doesn’t mean it has to come with a high price tag.
The right policy provides peace of mind. Here are some practical tips to help you manage costs while still keeping your business protected:
Do scaffolders need insurance?
Most scaffolding businesses need some form of insurance.
Scaffolding is a high-risk trade – from falling tools to structural issues, even the most experienced teams face unpredictable hazards. That’s why Scaffolding Insurance isn’t just a formality; it can provide peace of mind, financial protection, and demonstrates a commitment to safety. Here’s why it’s essential:
- Employer’s Liability Insurance may still be required if you use subcontractors – and without it, fines can reach £2,500 per day.
- Public Liability Insurance is often needed to access sites, apply for permits, or join trade bodies.
- Insurance helps you recover quickly from setbacks, keeping projects moving forward.
- Proof of cover reassures clients and partners that you take safety seriously.
- Many contracts and tenders won’t be awarded without valid insurance in place.
- A single uninsured claim can cause severe financial strain – or even bankruptcy. Beyond the cost, it can delay projects and damage your reputation, which can take significant time and money to rebuild.
Let's get started...
Online quotes are fast – but they’re not always the right fit. At Quote Me Today, we look beyond the basics and find what best fits your business. Our team is here to answer your questions, simplify the jargon, and make sure you get cover that genuinely suits your business.
Let’s build your quote from the ground up. Call us today on 01227 285 540 or fill out our online form to get started.
