Client Case Study
Kent-Based Scaffolding Company
A full insurance programme built around how the business actually operates
About the Client
Kent-Based Scaffolding Company
This Kent-based scaffolding contractor works across a wide range of sites and site types, operating a fleet of vehicles and working under the accreditation and contractual requirements set by main contractors.
The business is also committed to bringing new people into the trade, giving opportunities to new and young scaffolders and supporting them through their HGV qualifications as they progress.
The Challenge
Cover That Doesn't Get in the Way
Standard scaffolding policies come loaded with restrictions: minimum driver ages, minimum licence lengths, height limits, and exclusions on certain site types. For a business developing young drivers and working in varied locations, those restrictions cause real operational problems.
Vehicles are also often sourced at short notice, so a broker who is hard to get hold of means delays before a vehicle can be put on the road. On top of that, main contractors and accreditation bodies were asking for professional indemnity cover that had to be in place and evidenced.
What We Arranged
Rather than fitting the business around an off-the-shelf policy, we built the programme around how the company actually works — the drivers it employs, the sites it works on, and the hours it operates.
Three policies were placed, backed by a broker who is straightforward to get hold of however the client prefers to make contact.
Fleet Insurance
Any driver, any age, any licence length. No restrictions holding back new or young scaffolders, and full flexibility to support drivers working towards their HGV qualifications.
Liability Insurance
Cover that permits work across all types of location, with an unlimited height limit — no need to check the policy wording before taking on a job.
Professional Indemnity
Satisfies the requirements of main contractors and accreditation bodies, while genuinely protecting the business rather than simply ticking a box.
Easy to Reach
Phone, text, email, Facebook or Instagram — whichever is quickest. Getting hold of your broker to make a change shouldn't be the hard part.
The Results
An insurance programme with the restrictions removed, backed by a broker who understands the business and is easy to get hold of.
"The fleet policy covers any driver, any age, which suits us because of the specific requirements of some of our drivers. We give new and young scaffolders opportunities, and the any licence length element has helped us take them through their HGV qualifications without restrictions getting in the way."
"The nature of our business means we often have to source new vehicles at short notice. Having a broker so easily contactable massively assists us with the ease of making changes when we feel the need to."
"On liability, we've got the flexibility to work in all types of location together with an unlimited height limit. The professional indemnity helps us fulfil the requirements of our main contractors and accreditations, while also keeping ourselves fully protected."
"Being local means Joe is available to pop to our yard when we need. That personal service and the understanding of our business makes things so much easier."
Director, Kent-Based Scaffolding Company
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