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Scaffolder Insurance

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Scaffolders insurance

Scaffolding business insurance NZ

Scaffolders insurance is a comprehensive package designed especially for businesses that deal with scaffolding. It is not just one type of insurance; instead, it encompasses various insurance policies that protect against potential risks and liabilities associated with the scaffolding industry. Whether it's about potential injuries, property damage, or other unforeseen issues, Scaffolders insurance acts as a safety net.

Why is scaffolders insurance important? 

Imagine setting up scaffolding, and suddenly something goes wrong. Maybe a part falls, or someone gets injured. With Scaffolders insurance, you’re protected financially from these unexpected events. Without it, the financial blow from such incidents can be severe and detrimental to the continuity of the business.

In New Zealand, the average cost of scaffolders insurance typically ranges between $150 – $300 per month. 

It’s crucial to have scaffolding coverage if your business:

  • Erects or dismantles scaffolding regularly
  • Leases scaffolding equipment
  • Trains personnel in scaffolding
  • Contracts third-party scaffold services

What insurance covers are typically included in scaffolders insurance? 

Public Liability

This policy covers common scaffolders business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps scaffolding businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Tool Insurance

Safeguards your scaffolding tools and equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Employment Disputes

This insurance in NZ covers legal costs and other expenses arising from disagreements between employees and their employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

How much does scaffolders insurance cost?

Scaffolders insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Scaffolders insurance in NZ typically costs between $150 to $300 per month

Who needs scaffolders insurance?

If your business is involved in any scaffolding activity, then Scaffolders insurance is a must-have. This includes scaffold erection and dismantling companies, scaffolding rental businesses, companies that offer scaffolding training, and even contractors who occasionally use scaffolding in their projects.

Absolutely! Insurance brokers like Gerrards can help tailor your Scaffolders insurance package to fit your unique business needs and risks.

Enhancing safety is key. Regularly training staff, ensuring equipment is up-to-date, and maintaining a clean claims record can influence your premiums. Additionally, investing in security measures might also be beneficial.

How do I get a scaffolders insurance quote? 

We understand the unique needs of scaffolders insurance in New Zealand. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive scaffolders insurance quotes from the top insurers in the country. Entrust us with your requirements, and we’ll ensure you receive the most competitive and tailored coverage options available.

To obtain a scaffolders insurance quote we may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

How do I get proof of scaffolders insurance?

You can usually get proof of scaffolders insurance same day when you purchase insurance through Gerrards.

Acquiring a scaffolders insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or project. We can typically provide a scaffolders insurance certificate within 48 hours. 

To obtain insurance coverage promptly, contact one of our scaffolding insurance brokers. 

What does scaffolders insurance not cover?

Intentional Damage

Insurance exists to protect against unforeseen and accidental events. If damage is caused deliberately by the insured party, this is not covered. For instance, if someone from your team intentionally damages the scaffolding or causes harm, the insurance won’t foot the bill.

Flawed Design

If a scaffolding failure occurs due to a design flaw, the insurance might not come into play. Say, if the scaffold was constructed based on a flawed design, and this design led to its collapse, such cases might be exempt from coverage. If you are designing scaffolding then you will need a separate professional indemnity cover. 

Wear and Tear

Scaffoldings, like all equipment, deteriorate over time due to regular use. This natural process of wear and tear isn’t covered by insurance. If a scaffold fails simply because it’s old and has been in use for years, the subsequent damages might not be covered.

Other common questions about scaffolders insurance

Depending on the insurance broker or provider, discounts can be available for businesses with solid safety records, those affiliated with professional organizations, or for bundling multiple insurance policies.

In the event of an incident, it’s essential to document everything and contact us promptly. We will guide you through the process.  

Theft coverage depends on your specific policy. Some comprehensive Scaffolders insurance packages might cover theft, while basic ones might not. Always verify the specifics.

Renting doesn’t eliminate risks. Even as a renter, damages or accidents occurring due to the rented equipment can be pinned on you. It’s always wise to check the terms of your rental agreement and ensure you’re protected.

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