What Insurance Do Scaffolders Need?
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By law if you employ anyone, either on a PAYE (Pay As You Earn) basis or on a LOSC (Labour Only Sub Contract) basis you will require Employers Liability, the mandatory limit is £5,000,000 but cover tends to be written at a higher indemnity of £10,000,000 to give adequate limits.
Whilst not statutory, Scaffolders would be extremely unwise to trade without Public Liability insurance, Scaffolding is regarded as a high risk trade & Public Liability cover ensures you have indemnity over negligent acts which occasion third party bodily injury or property damage.
Limits of Public Liability for Scaffolders start at £1,000,000 but usually £5,000,000 is the norm and often the main contractors you work for will insist that their sub contractors carry the same limits as them for you to be awarded tenders.
Scaffolders liability insurance premiums can be mitigated by detailing the type of work undertaken, i.e. if the works are usually low level domestic risks then premiums can be reduced over a counterpart who are erecting scaffolding over large and high risk commercial premises.
It is extremely important that your broker knows the types of contacts entered into and can therefore assist you to purchase a policy which will settle losses presented, failure to disclose relevant facts to an underwriter may result in policies being treated as null and void.
We do not recommend buying polices directly from an insurer, particularly via a statement of fact where minimal questions are asked. Presumptions are made on best case scenarios, and cover can be lost in the small print when exclusions are written in which may prevent cover from responding.