Whatever you’ve got standing.
Commercial insurance for scaffolding contractors of any size: one lorry, or a full yard. We’ll quote it either way, and we’ll place it with insurers who actually write the trade.
Scaffolding contractor insurance
Usually includes
Public liability
Premises & contents
Business interruption
Scaffold stock
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is scaffolding contractor insurance?
Scaffolding runs on movement. Kit goes out, goes up, comes down and comes back, and at any given time a good share of what you own is somewhere you don’t control. Add working at height and somewhere everything routes through, and it needs cover built for the trade, whether that’s one lorry and a lock-up or a yard and a dozen crews. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Wherever your kit is
In the yard, on the lorry or standing on a site. It moves constantly, and cover needs to keep up with it.
The people doing the work
Erecting and striking is skilled work at height, whether that’s you and a mate or a dozen crews out at once.
The days you can’t trade
If you can’t load out, work stops and the jobs don’t wait. That gap is worth covering.
Who it’s for
Whatever you put up.
✓
Commercial scaffolding contractors
Tube-and-fitting and system scaffold on commercial sites.
✓
Domestic scaffolding contractors
Housing, extensions and re-roofing work.
✓
Scaffold hire businesses
Supplying stock to other contractors, with or without labour.
✓
Temporary roof & shrink-wrap specialists
Weather protection and encapsulation work.
✓
Access & edge protection contractors
Edge protection, stair towers and loading bays.
✓
Multi-depot operators
More than one yard, and equally, businesses running just the one.
What we cover
Cover built around how you operate.
We get to know how your business actually runs first, then build the policy around it.
Public liability
A collapse, a dropped fitting, or injury to someone passing the site.
Employers’ liability
Erection crews working at height, required by law from your first employee.
Premises & contents
The yard and any workshop or office, plus contents and fit-out.
Business interruption
If the yard can’t load out, work stops. This covers the income while it’s fixed.
Scaffold stock
Tube, fitting, board and system components, in the yard, in transit and erected on site.
Tools, plant & equipment
Owned plant, forklifts and yard equipment.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Scaffold lorries, flatbeds and vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by scaffolding contractors at any size, from a single lorry and a lock-up to multiple yards and crews. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant.
Worth knowing
Check the details before you choose.
Kit comes and goes
What you own changes through the year as you buy, sell and hire out.
What’s standing on site
Kit out on a job is treated differently from kit sat in the yard.
Designed scaffolds
Working to your own design rather than someone else’s changes what you’re on the hook for.
Hiring out to others
Supplying kit to other contractors changes where responsibility sits.
Every scaffold is different.
A domestic re-roof and a multi-storey commercial contract don’t carry the same risk. We ask different questions for each, and we’ll quote both.
Commercial scaffolding
Domestic scaffolding
Tube & fitting
System scaffold
Temporary roofs
Shrink-wrap
Edge protection
Loading bays
Commercial scaffolding
Domestic scaffolding
Tube & fitting
System scaffold
Temporary roofs
Shrink-wrap
Edge protection
Loading bays
Scaffold hire
Labour-only erection
Stair towers
Birdcage scaffold
Suspended access
Multi-depot operators
Scaffold design
Scaffold transport
Scaffold hire
Labour-only erection
Stair towers
Birdcage scaffold
Suspended access
Multi-depot operators
Scaffold design
Scaffold transport
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Design and inspection, before we quote
One lorry or twenty. We know what moves the premium and what doesn’t.
02
We follow the kit
Yard, lorry, site. We make sure nothing falls down the gap between them.
03
Certificates your contracts will accept
Principal contractors want proof of cover before you get on site. We turn it around quickly.
04
We present the risk right
How you’re set up, what you take on and your claims history. How it’s framed to insurers changes what you pay.
You talk to a person. The machines do the typing.
Free review of your scaffolding cover and costs.
Cover spread across separate policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Scaffold holdings move through the year as you buy, sell and hire out, and sums insured that lag behind can cut a claim.
Kit standing on a job is treated differently from kit sat in the yard, so tell us roughly how much is typically out.
We approach insurers on our panel who write scaffolding risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Scaffolding questions, answered straight.
What insurance does a scaffolding contractor need?
Is my scaffold covered while it's erected on a client's site?
Can my scaffold lorries go on the same arrangement?
Does designing scaffolds affect my cover?
What happens if my stock values change during the year?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.