Scaffolders Insurance
Insurance built around the way scaffolders actually carry risk.
We understand how scaffolders work across residential and commercial projects.
Scaffolding Expertise
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Decades of insurance expertise across residential and commercial projects.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your trade, projects, equipment, and business.
Tailored
Cover
As a scaffolder, you carry risk across every stage of the job, from planning and assembling scaffolding to dismantling equipment and completing the work. A single incident can cause property damage, injure workers or third parties, or leave you facing a costly claim. From falls and structural failures to damaged equipment and project delays, the right insurance program helps protect your business when things don't go to plan.
Ferguson Brown specialises in the construction, property and development sectors, so we understand how scaffolding risks can change from one project to the next. Whether you provide scaffolding for residential builds, renovations, commercial projects or as a subcontractor, we can help structure cover around the work you actually do.
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Falls and site accidents
The risks scaffolders face everyday:
Equipment theft or loss
Property damage
Structural failure
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Working at height creates risks for workers, subcontractors and visitors, with accidents potentially leading to costly claims.
Scaffolding structures can be damaged by weather, impact, misuse or other incidents while installed on a project site.
Scaffolding installation, movement or dismantling can accidentally damage a client's property, existing structures or surrounding areas.
Incorrect assembly, installation issues or unexpected structural problems can result in injuries, property damage and costly claims.
Scaffolding components, tools and equipment can be stolen, damaged or lost while working on or travelling between sites.
Scaffolding damage
Insurance and licensing considerations for scaffolders:
1. Development Consent
2. Building Bond or LDI
3. Off-the-Plan Disclosure
Before work begins, most developments need consent from the relevant council or planning authority, along with any conditions attached to that approval.
In NSW, developers of residential buildings four storeys or more must lodge a building bond under the Strata Building Bond and Inspections Scheme, or arrange approved Latent Defects Insurance as an alternative for eligible buildings.
Selling before completion means preparing a compliant disclosure statement and notifying buyers of material changes, with rules varying by state and new bond regimes emerging, including Victoria's from July 2026.
Other insurance options for scaffolders:
Workers Compensation
For businesses with employees, workers' compensation helps provide protection when a worker is injured or becomes ill in connection with their employment.
Plant & Equipment
Helps protect scaffolding equipment, machinery and other specialised items against insured events that could affect your ability to complete projects.
Professional
Indemnity
Covers claims arising from development management decisions or advice given to purchasers, financiers or joint venture partners.
Public & Products Liability
For third-party injury or property damage arising from the site, sales suite or display homes, usually required by councils and financiers.
Motor Vehicle
Protects work vehicles used to transport scaffolding, tools, equipment and materials, with cover structured around how your vehicles are used.
Learn more
Contract Works
Protects the works under construction, materials, and other items on site against damage, theft, fire and other insured events.
Contractual Liability
Helps address certain liabilities your business may assume under contracts with builders, developers, clients or other parties.
Tools & Equipment
Your tools are essential to getting the job done. Cover can help protect against theft, loss or damage to equipment you rely on every day.
