According to reports presented by the Health & safety Executive for worker fatalities, the construction and the agricultural industries have the highest rates of fatal injuries among workers. In fact construction and agricultural workers account for 46% of all the fatal injuries. It is to be noted that scaffolders are at the most risk of falling from height accidents and these are most common in the construction industry. So, with such a huge number of major injuries among scaffolders, a scaffolder insurance becomes very important for the workers who are used to working at great heights. Working as a scaffolder for a company or individually involves great risk and this is the reason why possessing a business insurance becomes very important for such professionals.
Employers Liability Insurance
Insurance for a scaffolding company is very important. It is one of those first things that you need to consider when setting up a firm. Without proper insurance you are actually setting up yourself for a risky endeavor. First of all, if you have a scaffolding business and you have employees working for you without any insurance, your business will be considered illegal. It is important for you to have Employers Liability insurance for covering you for the illness or the injury to anyone of the employees if the business is the cause of the illness or the injury.
Public Liability Insurance
The second thing that you need to have is the Public Liability insurance for covering you if the business has a claim made against it. In case your business causes any injury or damage to a property or a person, you will require Public Liability insurance for the scaffolders.
Equipment and Tool Insurance
The scaffolders working for different business make the effective use of different equipment and tools. All these equipment and tools need to be insured because these tools are very important for businessmen and scaffolders to be able to trade in the most appropriate manner. Equipment and tool insurance is generally an additional insurance that you can add to the insurance policy that you already possess. However, it is important to note that equipment and tool insurance is often worth possessing. It offers ultimate safety and peace of mind to the scaffolding business owners.
Every businessman wants to run his or her scaffolding business in the most efficient manner and possessing an appropriate business insurance is something that is very important for every business owner. It offers them peace of mind which comes from remaining assured of the fact that if something unexpected happens like damage or injury to property or person, the business will be covered for claims made against it. Scaffolder insurance generally incurs higher than normal premiums because of the fact that many accidents that usually take place are more serious in comparison to the accidents happening in other professions.
It is important for you to ensure that you follow safety and health procedures while running a scaffolding business and the best way to do this is by having scaffolder insurance.