Scaffolders Insurance
Looking for Scaffolders Insurance? You’re in the right place. At QMT Commercial, we work with Scaffies up and down the country to secure protection that fits their business like a harness - safe, reliable and built for the job. Whether you're a solo-contractor up on the rig or busy running the crew, we aim to take the hassle out of hunting for quotes. That means less time buried in paperwork and more time doing what you do best.Want more information? Give QMT Commercial a call on 01227 285 540 or complete our quote form to get started.
Contact us Get a Quote Call usWhat is Scaffolders Insurance?
Scaffolding insurance (sometimes called scaffold insurance or scaffolder insurance) is specialist cover designed for businesses and individuals who erect, dismantle, maintain, use, or otherwise work with scaffolding. Because scaffolding work involves significant risks – working at height, moving heavy materials, exposure to weather, use of specialised equipment.
Standard insurance policies often do not fully address all those risks. Scaffolding insurance helps to fill those gaps.
At QMT Commercial, as an independent insurance broker, we are free from ties to any single provider. This independence enables us to access an array of insurers and wholesale brokers, ensuring we can help secure the most suitable policies for your business requirements.
When choosing a new insurance broker, you’ll naturally want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.
For those who prefer not to pay their insurance policy in full, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost with convenient monthly direct debits.
QMT Commercial prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.
As a commercial insurance broker, QMT Commercial are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.
In the last 20+ years, QMT Commercial has built excellent relationships with a wide variety of insurers and wholesale brokers, meaning we can bring you some great deals on your business insurance, some of which you won’t be able to find on price comparison sites.
Why choose QMT Commercial for your Scaffolders Insurance?
With so many brokers out there, here’s what sets us apart: we put people first.
Our friendly UK-based team offers honest advice, clear communication, fair pricing – and yes, a bit of banter too.
From your first enquiry to ongoing policy management, our Kent-based team – alongside our trusted claims partner, iRevolution Claims – provides hands-on, reliable support every step of the way. Plus, we offer flexible payment options – from two instalments to monthly direct debits (interest applies) – to help manage your cashflow with ease.
QMT Commercial is a UK based, proudly independent insurance broker.
What are the different types of Scaffolders Insurance?
From standalone policies like Public Liability Insurance to packages with broader cover options, you can select the protection that suits your business, including:
This cover protects you if someone is injured or property is damaged as a result of your scaffolding work. Unlike many standard policies that exclude or limit work at height, we understand the unique demands of the trade – so the insurance we source includes unlimited height risks.
Cover limits start at £2 million, but for high-risk jobs, we usually recommend £5 million to help protect you against more complex claims.
And if you’re applying for a pavement permit, you’ll need to show proof of this insurance – so it’s not just smart to have Public Liability Insurance, it may well be essential.
If you employ staff, this cover isn’t optional – it’s a legal must. It protects your business against claims arising from workplace injuries or illness. Most policies start at £5 million, with many insurers offering £10 million as standard.
Given the high-risk nature of scaffolding, you need insurance that goes further. That’s why the policies we source include unlimited height risks, tailored to the demands of your trade.
Some providers also include free health and safety training and resources, helping you maintain high standards, reduce incidents and potentially avoid premium increases at renewal due to claims.
Duct tape won’t fix everything – if your gear gets damaged, proper cover ensures you’re not stuck with the cost. And since tools are a prime target for thieves, having insurance that includes theft protection is just good sense.
From scaffold towers to hired machinery, we’ll help you find the right insurance to keep your equipment safe from damage or theft – so you’re not left out of pocket when the unexpected hits.
Working at height comes with serious risks and if you or a team member suffers an injury, Personal Accident Insurance can provide a vital financial lifeline. This type of cover typically includes lump sum payments for significant injuries, medical expenses cover and benefits if you’re temporarily unable to work.
Disputes can escalate quickly and claim costs can easily spiral when you factor in legal advice. Legal Expenses Cover provides financial support for defence fees, because no one wants to face a claim without someone firmly in your corner.
Standard motor insurance often falls short for commercial use. Fleet Insurance offers protection for multiple vehicles and is ideal for scaffolding businesses with frequently changing drivers – whether due to staff turnover, shift patterns, sickness or holidays.
With “any driver” cover, there’s no need to list every individual, making it easier to manage your fleet and keep things running smoothly – without the admin overload.
| Action | How It Helps Reduce Costs |
|---|---|
| Combine your cover | Choosing an insurance package may be more cost-effective than buying policies separately. |
| Increase your excess | A higher voluntary excess can help lower your premium, just ensure it’s affordable if you need to claim. |
| Invest in safety | Fewer incidents mean fewer claims, helping to avoid premium hikes at renewal. |
| Pay upfront if possible | Annual or two-part payments can help you sidestep interest fees on monthly instalments. |
| Keep your details accurate | Avoid over- or underinsuring by regularly reviewing your wage roll and turnover, especially as your business grows. |
How can I save money on my Scaffolders Insurance?
Scaffolders Insurance covers high-risk activities, but that doesn’t mean it has to break the bank.
The right policy gives you peace of mind without draining your budget. Here are some useful tips to help keep costs in check while still protecting your business:
Do scaffolders need insurance?
Most scaffolding businesses require some kind of insurance cover.
Scaffolding is high-risk work. From falling tools to structural mishaps, even the best teams face unpredictable challenges. This means Scaffolding Insurance isn’t just a box to tick – it’s peace of mind, financial protection and a sign that you take safety seriously. Here’s why it’s a must-have:
- You may still need Employer’s Liability Insurance even with subcontractors – without it, fines can reach £2,500 per day.
- Public Liability Insurance is often required to access sites, join trade bodies or secure permits.
- Insurance helps you bounce back from setbacks, keeping projects on track.
- It shows you’re serious about safety, building trust with clients and partners.
- Many contracts and tenders demand proof of cover before awarding work.
- A single claim without cover can trigger serious financial strain – or even bankruptcy. Beyond the cost, it can stall projects and cause reputational damage that takes time – and money – to repair.
Let's get started...
Online quotes are quick – but are they right for you? At QMT Commercial, we go beyond the basics. Our team is here to answer your questions, cut through the jargon and help make sure you get the cover that truly fits your business.
Let’s build your quote from the ground up. Call us today on 01227 285 540 or fill out our online form to get started.
