Why is scaffolders insurance important? From the tools, you need to any employees you have on-site, scaffolding work comes with specific hazards. Pitching and checking, or a site assessment with potential clients, people, rely on you for top-level care and awareness. Choose a mixture of public liability cover, tool protection, employers’ liability insurance, plus personal accident.
If you would like to read more information or learn more about the pricing of business insurance, you can do so here.
What Types of Scaffolding Insurance are There?
1. Public liability insurance
One essential part of your scaffolding policy, even more so than in other lines of work, is going to be public liability insurance. Lifting heavy objects to build around and on top of clients’ buildings is as precarious a work situation as imagined. Public liability insurance means that you’re paying a predetermined amount each month so that your insurer can cover for you should you be on the receiving end of a claim against you and therefore be forced to pay out compensation.
The situations in which this could arise are numerous. An expensive, cherished part of someone’s house, office or other building could get broken or damaged. Perhaps it’s just that it’s a slippery day and something goes wrong, or you’ve been pressured into an inherently dangerous task, or possibly it’s just been a long day or week, and one tiny mistake causes damage that nobody hoped for.
These types of things could all potentially leave you with a claim to deal with. If an actual customer or unfortunate passerby gets physically damaged during the work, things could be even more harmful with an even more severe compensation claim. In situations like these, public liability insurance is your ally and will protect you financially so you can carry on concentrating on what your business or practice does best.
2. Employers’ liability insurance
On the other hand, one part of scaffolder insurance is not going to be up for dispute for some people. By law, you have to have employers’ liability insurance if you employ any staff members at all. This includes both temporary staff and part-time staff and full-time staff, of course. This insurance can help protect you from claims made by your staff against you. There are numerous causes or reasons why one of your employees might claim you.
This could be a personal injury that they’ve sustained whilst working for you or an illness caught whilst on the job on your behalf. So, although it is required by law regardless, it’s simple to see why you wouldn’t desire to go without employers’ liability, as these sorts of claims can end up being very expensive. Just as with public liability, it is a more clever budgeting choice to have a set tiny amount that you know is exiting your account on a predetermined day of the month than to be shocked by an unmanageable legal and compensation expense abruptly.
3. Tool cover
You’ll also want to insure the tools and equipment you regularly use. Some extensive and costly pieces help scaffolders do their role well, and the last thing you want is to be out of work and out of cash because something has unexpectedly stopped working correctly. Tool insurance may change slightly depending on who your insurer is, but the majority should cover the cost of substituting the equipment and tools if you’ve taken out the policy.
This can also cover the costs of supplies in any offices you use to, which can be similarly expensive to those you use for scaffolding. With some of the best insurers, you’ll get offers with the policy that guarantee a substitute in a certain amount of time, meaning you’ll get your livelihood back on the right path as quickly as possible.
Personal accident insurance will be something that sole trader scaffolders will particularly want to consider. If you find yourself out of work due to an injury you’ve sustained, then you’ll want to ensure that you’re not hurt by missing income or medical expenses. However, medical expenses are unlikely to be a problem for people living in the UK. Personal accident cover will have your back in both of these cases regardless.
Scaffolding Insurance – To Conclude
These are the main details that scaffolders will want to consider when picking an insurance policy that suits them. Communicate with potential insurance suppliers clearly to make sure you find a policy that suits your needs.
Find out more about the importance of insurance here.
Other useful links about Business Insurance:
Is Professional Indemnity Insurance a Legal Requirement?
How Much Product Liability Insurance Do I Need?
Is Employers’ Liability Insurance a Legal Requirement?
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