Scaffolders Insurance
Bespoke Scaffolding Business Insurance solutions
Why choose Howden for Scaffolders Insurance?
Howden is the new name for Primo.
When securing the right insurance for your scaffolding business, Howden makes the process straightforward and hassle-free. As a trusted insurance broker, we leverage our partnerships with leading insurers to compare multiple policies, ensuring a quick and seamless experience. We aim to handle the details so you can focus on what matters most—running your business safely and efficiently.
We recognise that every scaffolding business has unique risks, so we offer a personalised service. Whether you need comprehensive public liability insurance or more specialised coverage, we take the time to understand your specific needs and ensure your insurance package is tailored.
At Howden, we’re here for you—whether you need to secure a new policy, renew existing coverage, or make a claim. We’re committed to providing the support and peace of mind you need so you can concentrate on what you do best—keeping your projects and teams safe.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We are well-equipped to understand the risks of the scaffolding and construction industry.
- We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
- We leverage our relationships with top UK insurers to secure the best rates for our clients.
- Our dedicated team is committed to providing exceptional service.
Howden's Scaffolders Insurance
Secure your scaffolding business with Howden Insurance. Our expert brokers understand your unique risks, crafting tailored insurance policies to safeguard your operations and provide peace of mind. From protecting your team and equipment to covering potential liabilities, we offer comprehensive solutions that keep your business thriving.
Whether you are a small-scale operation or a large scaffolding enterprise, our insurance solutions are customised to suit your needs effectively.
Critical insurance cover for Scaffold Contractors:
Public Liability Insurance:
Public Liability Insurance is a fundamental component of scaffolding business insurance. It protects your business against financial losses arising from claims made by third parties for injury or property damage caused by your scaffolding operations. This cover is crucial as scaffold-related incidents can lead to significant liabilities.
Employers Liability Insurance:
Employers' Liability Insurance is a legal requirement for businesses that employ staff, including full-time, part-time, or temporary workers. It protects your company against claims from employees who suffer injuries or illnesses during their work. As a responsible scaffolding contractor, having this cover ensures compliance with legal obligations and financial protection in case of workplace accidents.
Contract Works Insurance:
Contract works insurance, or Contractors All Risks (CAR) insurance, covers your scaffolding projects and materials against damage or loss during construction. This includes cover for scaffolding equipment, materials, and structures in transit, on-site, or storage. It safeguards your investments and ensures project continuity despite unexpected incidents.
Tools and Equipment Insurance:
Scaffolding contractors heavily rely on specialised tools, equipment, and machinery. Tools and equipment insurance protects these valuable assets against theft, damage, or breakdowns, allowing your business to operate smoothly without financial setbacks due to equipment-related issues.
Professional Indemnity Insurance (PI):
Professional indemnity insurance is essential for scaffolding contractors providing design or consultancy services. It covers legal fees and compensation payments in case of claims alleging professional negligence, errors, or omissions in your services, advice, or designs.
Business Interruption Insurance:
Business interruption insurance provides financial protection against income losses resulting from unexpected events that disrupt your scaffolding operations. This could include fire damage, severe weather incidents, or other insured perils that temporarily halt your business activities.
Why choose specialist brokers for your Scaffolding Insurance needs?
Expertise:
Our specialist brokers, with extensive knowledge and experience in the construction and scaffolding industry, are well-equipped to understand your risks. They can recommend tailored insurance solutions that effectively mitigate these risks, instilling confidence in protecting your business.
Customised cover:
We work closely with you to assess your business operations and risks and cover requirements. This ensures your insurance policy is not just a standard package but a customised solution that meets your unique needs and adequately protects your business assets and liabilities, providing you with peace of mind.
Access to leading insurers:
Through our partnerships with leading insurers in the UK, we can secure competitive premiums without compromising the quality and breadth of cover. Knowing that reputable insurers back your insurance policy gives you peace of mind.
Claims support:
In the unfortunate event of a claim, our team is here to support dedicated claims. We guide you through the claims process, liaise with insurers on your behalf, and strive for timely and fair claim resolutions. This comprehensive support minimises disruptions to your business operations, ensuring you feel secure even in challenging times.
Risk management advice:
Beyond insurance, we offer valuable risk management advice to help you proactively identify and mitigate potential hazards in your scaffolding operations. This proactive approach can reduce the frequency and severity of incidents, ultimately leading to lower insurance costs over time.
Ready to explore your scaffolding business insurance options or request a tailored insurance proposal?
We're just a call or a click away. Please fill out our contact form or give us a ring, and our team of specialist brokers will be at your service, ready to ensure your scaffolding business is adequately protected against risks and liabilities.
Thank you for considering our services. We look forward to being your trusted insurance partner for all your scaffolding insurance needs.
Scaffolding Insurance FAQs
What is scaffolding insurance, and why is it essential for scaffolding businesses in the UK?
Scaffolding insurance is a specialised insurance policy designed to protect scaffolding contractors and businesses from various risks associated with their operations. It is crucial for financial protection, legal compliance, and safeguarding business assets and liabilities.
What types of insurance cover are typically included in scaffolding insurance policies?
Scaffolding insurance policies typically include public liability insurance, employers' liability insurance, contract works insurance, tools and equipment insurance, professional indemnity insurance (if applicable), and business interruption insurance.
Is public liability insurance mandatory for scaffolding businesses in the UK?
Public Liability Insurance is often mandatory for scaffolding businesses in the UK. It protects against claims from third parties for injury or property damage caused during scaffolding operations.
What does employers' liability insurance cover for scaffolding businesses?
Employers' Liability Insurance covers claims from employees for work-related injuries or illnesses. It is a legal requirement for businesses with employees in the UK, including full-time, part-time, and temporary workers.
Does scaffolding insurance cover damage to scaffolding equipment and materials on-site?
Contract works insurance under scaffolding insurance policies covers damage or loss of scaffolding equipment, materials, and structures during construction projects. This cover extends to on-site, in-transit, or storage situations.
What risks do tools and equipment insurance protect against for scaffolding contractors?
Tools and equipment insurance protects scaffolding contractors against theft, damage, or breakdowns of specialised tools, machinery, and equipment used in scaffolding operations.
Do scaffolding insurance policies cover professional negligence claims?
If included in the policy, professional indemnity insurance covers scaffolding contractors against claims of professional negligence, errors, or omissions in design, consultancy, or advisory services.
Can scaffolding insurance policies include coverage for business interruption losses?
Business interruption insurance within scaffolding insurance policies provides financial protection against income losses due to unexpected events that disrupt business operations, such as fire damage or severe weather incidents.
Are subcontractors covered under scaffolding insurance policies?
Subcontractors may be covered under scaffolding insurance policies, depending on the policy terms and arrangements. Scaffolding businesses must clarify subcontractor coverage with their insurance provider.
How can scaffolding businesses lower insurance premiums while maintaining adequate coverage?
Scaffolding businesses can lower premiums by implementing safety practices, maintaining equipment, accurately assessing cover needs, working with experienced insurance brokers, and leveraging risk management strategies.
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