Insurance for Scaffolders

Specialist insurance for scaffolders, built around the risks of working at height, public access, temporary structures and busy construction sites.

Whether you’re a sole trader or manage a scaffolding team, we’ll help you arrange the right cover to protect your business, meet contractor requirements and stay compliant on site.

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Insurance for Scaffolding Contractors

Scaffolding is one of the highest-risk trades in construction, and the level of responsibility that comes with it is significant.

You’re not just working at height. You’re assembling temporary structures that other trades rely on, often in busy, live environments. If something fails, whether that’s a structural issue, falling materials or an access-related incident, the consequences can be serious.

In many cases, claims don’t just involve your own work. They can impact other contractors, site progress and public safety.

That’s why having the right insurance in place is essential.

If you employ staff or labour-only subcontractors, employers’ liability insurance is a legal requirement. Without it, you risk fines and potential legal action.

Alongside this, most contractors and commercial clients will require proof of scaffolding public liability insurance before work can begin on site.

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Scaffolder Insurance

No two scaffolding projects carry the same level of risk.

Your exposure will depend on factors such as structure height, complexity, location and the type of work being supported. Working on a domestic property presents a very different risk profile to large-scale commercial or industrial sites.

Because of this, your insurance should be built around how you actually operate, not a generic policy.

We arrange scaffolder insurance for contractors working across a wide range of projects, from small residential jobs through to major developments.

A common issue we see is incorrect cover around subcontractors.

If you use labour-only subcontractors, they are often treated as employees for insurance purposes. This means they should be included under your employers’ liability insurance, something that is frequently misunderstood.

Getting this wrong can leave your business exposed.

We take the time to understand your workforce, your projects and your risk profile, ensuring your policy is structured correctly from the outset.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Scaffolding Insurance Cover?

Scaffolding insurance is typically built around a combination of covers designed to protect both your work and your liability on site.

Public Liability Insurance for Scaffolding Contractors

This is one of the most important covers for scaffolding businesses.

It protects your business if a third party is injured or their property is damaged as a result of your scaffolding structure or work.

Given the nature of scaffolding, the potential value of claims can be high, particularly on larger sites or in public areas. Ensuring adequate cover limits is critical.

Employers’ Liability Insurance

Employers’ liability insurance is a legal requirement if you employ staff.

It covers claims from employees who are injured or become ill as a result of their work. In a high-risk trade like scaffolding, this is essential protection.

Contractors All Risk Insurance

This covers scaffolding structures and work in progress against loss or damage caused by events such as fire, storm, theft or accidental damage.

If materials or structures are damaged before a project is completed, this ensures you’re not left covering the cost of replacement or repair.

Equipment and Materials Cover

Scaffolding involves a significant amount of equipment, from boards and fittings to towers and access systems.

This cover protects your materials against theft, loss or damage, whether on-site or in transit.

Supporting Accredited Contractors

Many scaffolding contractors operate under accreditation schemes such as CHAS, Constructionline and SafeContractor.

These schemes often require specific levels of insurance before you can work on certain projects or tender for contracts.

We understand these requirements and can help to ensure your insurance aligns with them, helping you remain compliant and avoid delays when securing work.

Get a Scaffolder Insurance Quote

Scaffolder insurance is about protecting your business in a trade where the risks are high and the consequences of getting it wrong can be significant.

At CHAS Insurance, we arrange cover for scaffolding contractors across the UK, from smaller operators to established firms, with a clear understanding of how the trade works day to day.

Speak to our team today for a tailored quote and practical advice on the cover you need.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is scaffolder insurance a legal requirement?

Employers’ liability insurance is legally required if you employ staff or labour-only subcontractors.

Other covers, such as public liability and contract works insurance, are not required by law, but are essential in practice and usually required by clients and contractors.
Can I cover multiple scaffolding sites at once?

Yes. Policies can be structured to cover multiple active projects across different sites at the same time.

This is often more practical for contractors with ongoing work.