What Does Our Insurance Cover?
Unlike some off-the-shelf Insurance policies, our cover is specifically designed to serve Scaffolders, giving you the freedom to operate as you need to without any restrictions that might hinder protections for both yourself or your customers.
Depending on your needs and requirements, we can cover the following areas:
- Public Liability up to £10,000,000
- Financial Loss Cover up to £25,000
- Personal Accident Cover up to £25,000
- Unlimited Height Limit
- Cover for Bone Fide Sub-Contractors
- Temporary Employees Extension Available
- UK Based A Rated Insurers
- Contractors Plant Cover
- Legal Expenses
- Health & Safety Risk Management Suppport
- Extension Cover for Poles, Clips and Boards
- Scaffolding Equipment in Transit Extension
- Defective Workmanship Cover
- High Hazard Locations
Our specialist insurance scheme offers complete peace of mind for professional Scaffolders nationwide. Inspire Insurance have an impressive panel of insurers at our disposal, which means our clients take advantage of the very best market rates from the best insurers on the market. Our thorough understanding of the Scaffolding market means we deliver coverage that's right for you.
Insurance Services Provided to Scaffolders
We understand the nature of Scaffolders work in detail and can offer a bespoke Insurance package tailored to your business, ensuring you have sufficient protections in place to allow you to continue working with complete peace of mind. The scope of work for Scaffolders varies from business to business, and with that so does the risk element.
Inspire Insurance can offer the following Insurance products as part of a bespoke and competitive quotation:
- Public Liability Insurance
- Employers Liability Insurance
- Professional Indemnity Insurance
- Personal Accident Insurance
- Tools & Plant Insurance
- Commercial Vehicle Insurance
Speak to our specialist team today for more information about a tailored and competitive quotation - Call us now on 02476 99 89 24
Your job would be difficult without a vehicle — you need a reliable way to arrive at the worksite with your tools. Vans are the easiest method of transport to bring people and necessary tools to the worksite, and commercial motor insurance is required if your business operations include driving.
As an employer, if you get injured on the job you cannot claim against yourself under the liability policy. It is likely the same for your partners. To make sure your key personnel are covered, purchase personal accident insurance. It can cover death, disablement and loss of limbs or sight.
Because personal accident can provide additional cover for crucial employees or directors, it can extend beyond mere working hours. You can find policies that are purely occupational, meaning they cover only Scaffolders Insurance occupational hazards — or policies that are 24-hour, meaning they provide protection all day, every day.
Own Tools and Equipment
Your tools serve as an extension of yourself—without them your job becomes alarmingly difficult, maybe impossible.
Consider tools and equipment cover, which can be offered on a ‘commercial all risks’ basis, meaning any risk not mentioned in the contract is covered. It insures tools and larger equipment such as excavators and diggers.
Theft from unattended vehicles is often excluded, but you can purchase an extension to account for this gap. Because motor insurance does not cover the tools and equipment inside your vehicles, Scaffolders usually purchase commercial motor cover and a plant tools and equipment policy.
Based on your business operations, you can split cover to apply only to your own premises or to your worksites.
The machinery and tools used by scaffolders are expensive, specialised pieces of equipment. Because purchasing machinery or tools comes with very high up-front costs, many scaffolders opt to hire the necessary equipment. Hiring equipment exposes scaffolders to more risks, but those can be mitigated by purchasing hired-in plant cover.
Hired-in plant insurance covers the hired equipment in the event of loss, theft or damage. The owner of the plant will usually require you to purchase hired-in plant cover as part of your contract.
When working on somebody else’s premises, you are still responsible for the equipment you have hired. This equipment is vital to get your job done, so do not leave it up to chance.
As you work to complete a project, you cannot forget that you are working under the conditions of a contract.
Imagine: As you near the completion of a six month construction project, your building suffers irreparable damage and you must start all over. The loss would be massive. You can help protect against these ever-present threats by purchasing contract works cover. Contract works can cover temporary and permanent works executed according to the terms of a contract. It can also cover materials which have not yet been incorporated into the work prior to the loss, as well as own and hired plant and tools and equipment on-site or in transit.
Manage Your Risks
Scaffolders face all sorts of different risks depending on their specific occupation. In order to protect your financial viability as a tradesman, you will need a bespoke policy that addresses your unique risks. We can do that for you.
Contact Inspire Insurance Services today to begin insuring yourself for a successful future.
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