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INSURANCE FOR THE SCAFFOLDING TRADE

Working on scaffolding is a risky endeavour for any tradie. However, being responsible for the scaffolding that holds your employees and those who pay you to set up and tear down scaffolding is also fraught with hazards.

You do not cut corners in your scaffolding business. There would be a considerable risk if you did not adhere to all of the Australian Standards relevant to scaffolding. Likewise, you are placing yourself and your business in jeopardy if you settle for a one-size-fits-all tradie insurance policy.

WHY DO I NEED A CUSTOMISED POLICY FOR MY SCAFFOLDING BUSINESS?

Aside from being exacting work with no margin for error, being a tradie in the scaffolding business holds the potential for personal and financial disaster should an unforeseen event occur. Without the necessary insurance, a terrible situation can become unbearable.

The professionals at Tradies365 understand the unique circumstances that are a part of every trade. By using this understanding whilst creating your cover, they make an insurance policy that covers you and your scaffolding company completely.

scaffolding work

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WHAT ARE THE BIGGEST RISKS ASSOCIATED WITH A SCAFFOLDING COMPANY?

While there are a host of potential disasters waiting to happen around any job site, scaffolding brings a high risk along with its usefulness and convenience. Here are the top dangers found when working on scaffolding.

  • Falls – Although you do all you can to protect workers from falls, there are factors outside of your control such as weather, weight, and improper use of scaffolding that can lead to falling from scaffolding.
  • Scaffold Collapse – Even with every precaution you take and your careful preparation, there is always a chance that a scaffold can collapse.
  • Injury Caused by Falling Materials – While most of the scaffolding injuries that come to mind involve workers who are using it, a significant number of injuries and even fatalities happen when a falling object or debris hits someone on the ground.
  • Electrocution – Even though there are standards regarding the safe distance between scaffolding and an electric current, details are not always clear. In the case of electrocution, excellent communication between those the utility professionals and those who build the scaffold.
  • Miscalculation – Sometimes, an omission or a case of over-confidence can impact the scaffold set up work. Although honest mistakes happen, the consequences can be deadly.
Construction workers installing scaffolding on site

WHAT KINDS OF COVER COULD BENEFIT MY SCAFFOLDING COMPANY?

Some policies can make a significant difference for those in the scaffolding trade. These include:

  • Cover for Tools, Stock, and Equipment – No tradie can accomplish much without these essential items. A policy to protect all of the specialised equipment and tools against damage or loss by covered occurrences, theft from a locked vehicle, or damage while in transit.
  • Contract Works Cover – Your scaffolding is frequently exposed to all types of weather, so a contract works policy makes sense. You can purchase a single job policy or a twelve-month policy to cover multiple worksites throughout a calendar year.
  • Insurance for Vehicles – Hauling your scaffolding is a big part of your job. You will want to be sure you do not lose the means to get from point A to point B.
  • Illness and Injury Cover – An illness and injury policy will pay should you become ill or hurt outside of work. Such a policy can span the financial gap should you become unable to work.
Scaffolding vehicle

WHAT ARE SOME OTHER TYPES OF INSURANCE COVER I SHOULD CONSIDER FOR MY SCAFFOLDING BUSINESS?

Many kinds of cover that fall under the heading of general business insurance can be useful for your scaffolding company. A consultation with an insurance professional is the best way to find out the kinds of cover you should have in addition to the policy made explicitly for your business.

  • Worker’s Compensation Insurance – Called Work Cover in some areas, all of Australia’s states and territories require Worker’s Compensation insurance for businesses with employees. The policy compensates employees who sustain injuries on the job. It is critical for your employees and subbies to understand that Work Cover will pay ONLY if a loss occurs whilst at work.
  • Public Liability Insurance – A company’s Public Liability Insurance will pay if you are at fault for damages to a person or their property.
  • Comprehensive Business Insurance – With a Comprehensive Business Insurance policy, you receive compensation after the damage or loss of your property due to unforeseen happenings such as covered weather events, vandalism, and theft.
  • Third-Party Property Damage Cover – In the event that you are responsible for causing a loss or damage to another person’s property, your Third-Party Property Damage Cover policy will compensate the injured or wronged party.

The insurance experts at Tradies365 are able to help keep you and your scaffolding company well covered. Contact us today.

*Please Note* The material presented here is for informational use only. It is not legally binding insurance advice and is not a substitute for a consultation with an insurance professional.

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