Scaffolding businesses run at high risk as they operate in public area, their employees have to work at heights and their structures need to endure all weathers.
As such the scaffolding trade is deemed a high-risk profession which can make it harder to get insurance for but finding effective cover is essential. Public liability and employer’s liability are both crucial cover for most businesses and can be a legal or a contract requirement for some customers.
We have explored what some of the leading insurance providers can offer scaffolders below.
The table below gives a quick comparison of the top UK providers for scaffolding insurance.
| Company | Minimum cover | Maximum cover |
|---|---|---|
| Aviva | Not stated | £10 million |
| Touchstone Underwriting Limited | Not stated | £10 million |
| Pen Underwriting | Not stated | £10 million |
| Kerry London | Not stated | Not stated |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Note companies are ranked in no particular order and this no way indicates one solution is better than another.
Topics
1. Aviva
Some of the features and benefits of Aviva’s scaffolding insurance.
- Roofing, Cladding and Scaffolding Contractors Insurance
- Tailored cover
- Public and product liability
- Employer’s liability
- Employee/LOSC site death
- Financial loss
- Professional indemnity
- Contract works
- Plant cover
- Available only through a broker
Aviva is an insurance provider that offers a wide range of business insurance products that cater for a variety of trades and professions. They offer standalone and combined insurance packages tailored to specific businesses which include Roofing, Cladding and Scaffolding Contractors Insurance.
Aviva’s Roofing, Cladding and Scaffolding Contractors Insurance offers discounts for NASC and NRFC members but they also insured businesses who aren’t members and it has no height limit and will consider hazardous locations. Standard cover includes £5 million public and product liability, £10 million employer’s liability, site fatality cover, financial loss, professional indemnity, contract works and plant cover.
2. Touchstone Underwriting Limited
Some of the features and benefits of Touchstone Underwriting Limited’s scaffolding insurance.
- Roofing and Scaffolding Liability and Construction
- Covers employees, third party property and injury
- No height limit
- Includes heat use
- Site death and capital benefits
- Financial loss
- Professional indemnity
- Excess layers available
- Option to cover contract works and plant cover
- Offers discounts to selected trade members
Touchstone Underwriting is a specialist insurance provider that offers niche business insurance products on hard to insure risks. They offer a range of niche products that include Roofing and Scaffolding Liability and Construction insurance which is suited to roofers and scaffolders with a turnover over £1 million per year and demonstrate that they have good risk management processes.
Touchstone Underwriting’s Roofing and Scaffolding Liability and Construction insurance offers cover with no height limits and includes the use of heat. It provides liability protection, professional indemnity, excess layers, financial losses, site death and capital benefits. Discounts are offered to NFRC, CORC, NASC, Scaffolders Association (Tier 3), LCA and FTMRC members.
Touchstone Underwriting Limited website
3. Pen Underwriting
Some of the features and benefits of Pen Underwriting’s scaffolding insurance.
- Roofers and Scaffolders Insurance
- Flexible cover to meet your needs
- Employer’s liability
- Public liability
- Legal costs cover
- Defective workmanship cover
- Financial loss
- Choice of additional cover
- Suited to businesses in the UK including Northern Ireland
- Discounts available for trade association members
Pen Underwriting is an insurance underwriter that is also a virtual insurer who provides cover to a wide variety of businesses and sectors from SMEs upwards. Their range of business insurance products includes higher risk insurance products such as Roofers and Scaffolders Insurance which is available to businesses throughout the UK.
Pen Underwriting’s Roofing and Scaffolders Insurance include employer’s liability as standard up to £10 million and public liability insurance up to £5 million. You can choose to add excess layer cover, legal costs cover, defective workmanship and financial loss cover. They also offer a range of other insurance covers that can be added such as construction insurance cover.
4. Kerry London
Some of the features and benefits of Kerry London’s scaffolding insurance.
- Roofers and Scaffolders Insurance
- Tailored cover
- Protection against risks
- Public liability
- Employer’s liability
- Professional indemnity
- Contractors all risks
- Personal accident
- Offers a variety of complementary cover
- Extensive experience within the construction industry
Kerry London is an insurance provider and underwriter that specialises in providing cover to construction, property, healthcare, manufacturing, sports and leisure sectors. They offer a variety of specialist insurance products including higher risk products such as Roofers and Scaffolders Insurance.
Kerry London’s Roofing and Scaffolders Insurance is designed to meet the needs of these high-risk businesses and give them the protection they need to insure against damage to property or injury to your employees or members of the public. You can work with them to build your cover from public liability, employer’s liability, professional indemnity, contractors all risks and personal accident.
Financial Disclosure: We may be paid a fee if you purchase insurance via the Simply Business link at the top of this page.