As a Scaffolder, you don’t need us to tell you that you are working in one of the highest risk trades in the construction industry. Your work can be dangerous, leaving you exposed to a range of risks. The team at Bruce Burke understand the day-to-day risks and unique challenges you face, and we can help you find scaffolders insurance, that meets your requirements.
In-depth knowledge of the scaffolding industry
Scaffold is provided for various reasons but usually it is for access which makes it safety critical.
A tightening in Health & Safety regulation and a compliance to it from most Scaffolders has led to fewer incidents, but when they do occur the consequences can be fatal.
This is one of the reasons that local councils will require £10 million limit of indemnity for chapter 8 street licence permit or S169.
We will fact find so that we can advise you on your demands and needs, we can explain to you why you need public & employers liability insurance and how labour only sub-contractors count as employees if anything should happen to them and the fact that they are self employed is only their tax position.
Typical Insurance for scaffolders
Public liability
This is also known as third party liability as it covers you against being sued by third parties for damage to property or injury to person caused by yours or your employee’s actions. Indemnity limits are usually between £2 million and £10 million. But as mentioned earlier local councils will require £10 million limit of indemnity for chapter 8 street licence permit or S169.
Employers’ liability
This is a compulsory insurance for any company that has employees or uses labour only sub-contractors. It provides financial protection from being sued by an employee injured at work as a result of the employer’s failure to provide a safe place. The indemnity limit is usually £10 million.
Professional Indemnity
Professional indemnity insurance will cover any legal costs and damages that you could be liable for should you or your business make a mistake.
Directors & Officers
Directors and officers insurance protects you against the risk of not being able to defend yourself against: disqualification from holding the position of director. civil proceedings which can lead to hefty legal costs and awards for damages.
Fleet
If you have two or more commercial vehicles in your business then it may be advantageous to invest in a motor fleet policy.
Legal expenses
Legal expenses insurance covers the legal costs of a dispute, regardless of whether the case is brought by or against the policyholder.
It’s not designed to pay the policyholder damages they are trying to recover – but the cost to bring the action to court.
Plant & Tools Insurance
Own plant & hired in plant can be added to your policy at inception. Each policy will be different but there will certain security conditions which have to be adhered to so as to avoid theft and reduce claims. This can be useful if you regularly hire plant and have been using the hirers insurance, we have found this is usually more cost effective but that is a conversation we can have when discussing your demands & needs.
