Scaffolding Insurance
Protect your scaffolding business with insurance built for high-risk work environments. From public liability to tools and equipment cover, we help scaffold contractors secure tailored protection for onsite operations, installation, dismantling, transport, and complex project requirements.
Protect your business when things go wrong on-site, around people, equipment, or public spaces
Scaffolding is one of the most regulated and highest-risk trades in construction. A small incident a falling tool, unstable platform, installation error, wind-related impact, or ground collapse can result in injuries, downtime, equipment loss, or significant third-party damage.
Coverite Insurance works exclusively with scaffold contractors, riggers, and temporary works operators across Australia. We understand your equipment, lifting processes, height-related exposures, load-bearing risks, and operational challenges. Our tailored policies provide protection that suits the way you work — not a generic off-the-shelf trade package.
Scaffolding insurance for contractors who work around:
Scaffolding work involves constant exposure to people, property, heavy equipment, active construction sites, and public spaces. Whether you’re installing mobile scaffolds, modular systems, tube-and-clip structures, hung scaffolds, or designing custom access solutions, scaffolders face unique risks every day. We work with residential and commercial scaffold contractors, EWP and scaffold operators, labour-hire scaffolders, temporary works and access system installers, and teams involved in shutdown, maintenance, and industrial projects. Our policies are built to match real-world project exposures, contract requirements, licensing obligations, and the state-based WHS rules that scaffold contractors must comply with.
Trusted Support When It Matters Most
Scaffolding claims can involve multiple parties builders, engineers, principal contractors, safety inspectors, and councils. Coverite assists you through every stage by coordinating directly with insurers to ensure your business gets fast and accurate support.
Why clients choose us:
- Advisers who understand scaffolding risk
- Incident guidance during complex claims
- Clear communication and rapid turnaround
- Access to high-risk insurers unavailable to the public
- A genuine, specialised partnership
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your business and what you require, then we'll search far and wide to find the right insurance.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key scaffolding insurance cover we help arrange
Public Liability Insurance
Protects scaffold contractors from claims of injury or property damage caused during scaffold erection, alteration, dismantling, or transport. Because scaffolding involves elevated platforms, load-bearing structures, and public/site interfaces, liability claims are among the highest in the construction industry.
This can include protection for:
- Falling objects damaging vehicles, roofs, glass, or equipment
- Injury to workers, subcontractors, or members of the public
- Scaffold collapse or partial structural failure
- Damage caused during dismantling, loading, or mobilisation
- Tools, planks, or materials accidentally striking people or property
- Claims arising from unsecured platforms or insufficient edge protection
Tools, Equipment & Scaffold Component Cover
Scaffold contractors rely on large volumes of equipment that are frequently moved between job sites — making theft, accidental damage, and onsite deterioration common.
Cover can include:
- Stolen scaffold tubes, ledgers, braces, planks, platforms, and couplers
- Theft of onsite gear from vehicles, yards, or construction sites
- Accidental damage during loading/unloading or transport
- Damage to power tools, hand tools, and small mobile equipment
- Replacement costs for weather-damaged scaffold components
Contract Works / Project Cover
Scaffolding can be exposed to damage before, during, and after installation — particularly on active construction sites.
Cover may include:
- Accidental damage to the scaffold structure while being built
- Damage caused by other trades, machinery, or site activities
- Loss of materials onsite before installation
- Protection during dismantling, repositioning, or modifications
- Contract-specific requirements imposed by builders or principals
Hired-In Plant & Equipment Insurance
Many scaffolders hire EWPs, forklifts, scissor lifts, telehandlers, or lifting equipment to complete installations.
Cover may include:
- Damage to hired EWPs, telehandlers, forklifts, or material lifts
- Theft of hired machinery
- Repair costs, recovery costs, or hire-party liability
- Wet hire, dry hire, and cross-hire cover
- Contractual obligations required by equipment suppliers
Professional Indemnity (Scaffold Design & Certification)
Essential for scaffolders who prepare drawings, certify scaffold structures, or provide design advice. Many large sites, councils, and principal contractors require it.
Covers allegations of:
- Incorrect scaffold design or load calculations
- Misleading or inaccurate safety documentation
- SWMS errors or advisory failures
- Incorrect height, bracing, or tie-point requirements
- Design changes that cause delay or financial loss to the principal contractor
Business Interruption Insurance
If theft, storm damage, or major property loss stops your scaffolding operations, Business Interruption can help keep cashflow stable.
This can cover:
- Lost income during downtime
- Ongoing rent, utilities, and loan repayments
- Costs of temporary relocation or storage
- Financial impact of delays on large projects
Commercial Motor & Fleet Insurance
Most scaffolders run multiple vehicles — utes, trailers, flatbeds, and small trucks transporting materials between sites.
Cover can include:
- At-fault and not-at-fault accidents
- Theft or damage to vehicles carrying scaffold components
- Windscreen, tools-of-trade, and accessories cover
- Replacement vehicle hire
- Cover for business-owned or employee-driven vehicles
Workers Compensation & Personal Accident Insurance
Scaffolding is high-risk, and injuries can be serious. We arrange cover for employees, subcontractors, and self-employed scaffolders.
This may include:
- Lost wages for injured workers
- Medical and rehabilitation costs
- Payments for permanent impairment
- Cover for sole traders without employee cover
- Optional top-ups for high-risk labour-hire scaffolders