Scaffolding insurance scheme

The independent broker and Scaffolding Association member is one of only a few brokers that can offer scaffolding and roofing clients insurance cover from A-rated insurers.  

Contractors usually need to prove insurance cover before they are allowed on site and many regard insurance as a necessary evil. However, not all insurance policies are the same and it is worth taking the time to make sure your insurance will protect if an accident or claim occurs.

Most of us are aware of some tragic accidents that have occurred in the roofing and scaffolding industry. The added risks of working at height and exposure to the elements usually translate into higher insurance premiums and finding the right level of cover can be challenging. 

BBi’s new insurance scheme is said to offer one of the most comprehensive solutions, with no height or depth restrictions and high indemnity limits (£5m as standard but up to £100m can be accommodated). Policies also cover flexible locations and include options for working outside the UK. 

BBi also offer a free health and safety consultation to identify any risks that can be reduced by investing in new equipment, different procedures or training. As well as contributing to an improved health and safety culture, this process enables BBi to tailor cover to the needs of each business, securing the right protection at the best possible price.  

“Every business is different. Well run businesses, with good risk management and a proven claims record can reduce their insurance costs without compromising on the quality of cover or quality of the Insurer. There have been a number of un-rated Insurers that have gone out of business in recent years, leaving policyholders having to pay another premium and deal with any third party claims themselves,” David Skinner, managing director of BBi Berns Brett, said.

According to Health and Safety Executive (HSE) data, there were 64,000 construction-related injuries and 30 fatalities in 2016/17. Almost half (49%) of the deaths were the result of falling from a height whilst the most common causes of non-fatal injuries are slips, trips and falls on the same level.  

Unlike many other insurance providers, BBi employs an in-house claims team to manage all claims from notifications to settlement, ensuring that all cases are dealt with in an efficient and timely manner. BBi customers will also benefit from the support of a dedicated account manager, providing one point of contact for all their insurance requirements. BBi describes itself as a ‘one stop shop’ and can also arrange all other corporate and personal cover, including professional indemnity, personal accident and motor insurance.