Scaffolding Insurance

Scaffolding is a high risk industry, however you are in good hands! Coverscope specialises in the high risk construction sector.

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Scaffolders Liability Insurance

Scaffolding contractors face various risks in their line of work. Understanding and mitigating these risks is essential to protect their business, employees, and clients. As a scaffolding business, you are exposed to various risks such as falls and accidents, workers’ injuries, property damage, and project delays and disruptions, to name a few. Scaffolding contractors in Australia need to consult with insurance brokers knowledgeable about the construction industry and the specific requirements in their state or territory. Coverscope can assist in assessing your business risks and recommend appropriate insurance coverage.

Types Of Insurance Scaffolders Need

Scaffolders operating in Australia must consider several types of insurance coverage to protect their business, employees, and clients. Let’s look at key types of insurance that scaffolders typically require:

Public Liability Insurance

Public liability insurance is crucial for scaffolders as it covers third-party claims for property damage or personal injury caused by their business activities. It protects against potential legal and compensation costs from accidents, such as scaffolding collapse or damage to third-party property. Most clients and worksites require scaffolders to carry public liability insurance before commencing work.

Commercial Vehicle Insurance

If your scaffolding business owns or operates vehicles for business purposes, such as transporting equipment or traveling to job sites, commercial vehicle insurance is necessary. It provides coverage for damages caused by or to the scaffolders’ vehicles and can include options for comprehensive coverage or third-party property liability.

Plant and Equipment Insurance

Scaffolders heavily rely on specialised equipment and tools. Plant and equipment insurance provides coverage for loss, theft, or damage to this equipment. It ensures that scaffolders can replace or repair their equipment without facing significant financial burdens.

Workers’ Compensation Insurance

Workers’ compensation insurance is mandatory in Australia for businesses that employ workers. It provides coverage for work-related injuries or illnesses suffered by employees. This insurance ensures that employees receive compensation for medical expenses, lost wages, and rehabilitation costs while protecting the business from potential legal liabilities.

Income Protection Insurance

Income protection insurance is an essential consideration for scaffolders in Australia. Income protection insurance provides financial support if you cannot work due to illness or injury, ensuring you can maintain a percentage of your income during your recovery period.

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Scaffolders Insurance Quote

CoverScope can assess a contractor’s business’s specific needs and risks and recommend appropriate coverage options. Get in touch with our construction industry experts, we can quickly gather the necessary information from you and provide accurate quotes based on your specific requirements.

Personal Injury
If somebody is wrongfully injured by your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
Property Damage
If property is damaged due to your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
Advertising Injury
Liability arising out of advertising carried out by or on behalf of the insured.

What usually isn’t covered?

Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.

Public & Products Liability Policies generally won’t include cover for:


Cost of rectifying faulty workmanship


Damage to your own product


Claims by employees


Claims arising out of the use of a registered motor vehicle


Claims related to asbestos

Case Study

A Scaffolding company erected scaffolding for a multi-storey construction site.

A worker contracted by the builder fell through a hole in the scaffolding, resulting in serious injury.

Outcome: After a lengthy process of legal proceedings and mediation, the insurers settled for over $1m.