Scaffolding Contractor Insurance: Cost & Quotes From $35/mo

Table of contents

A scaffold is a temporary and raised platform construction companies use to elevate equipment and build a structure. According to a study from the Bureau of Labor Statistics, approximately 4,500 injuries and around 60 deaths occur due to scaffold accidents.

You face many risks as a scaffolding contractor. The general contractor might file a claim for breach of contract. One of your employees can fall from a height. Even worse, you might need to halt business operations. 

One way to make your business immune to adversities is to have scaffolding contractor insurance. In this article, we discuss the fundamental policies you should purchase, the add-ons you can include, and the coverage limits of each policy.

General Liability Insurance for Scaffolding Contractors

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance is crucial coverage for construction professionals and scaffolding contractors. This policy ensures you don’t subject your business to financial losses after an accident. It is customized to cover any claims made by customers, visitors, vendors, competitors, or third parties.


In Which Situations Can This Scaffolding Contractor Insurance Policy Be Beneficial?

  • Accidents or injuries that occur on the premises of your business

  • When you accidentally damage a third party’s property

  • Any claims of bodily harm that result from your services or products

  • Lawsuits closely linked to completed services or projects

  • Claims of copyright infringement, libel, or defamation

Add-Ons to General Liability Insurance for Scaffolding Contractors

  • Tools and equipment insurance–This add-on will protect your scaffolding tools and equipment. It can offer you reimbursement for replacing or repairing items after an accident

  • Installation floater–This covers equipment or materials used during construction projects. It will protect against loss or damage of your items while they are on the job site or in transits

Coverage Limits for General Liability Insurance for Scaffolding Contractors

General liability insurance for scaffolding contractors has a $1 million-$2 million per occurrence and aggregate limit. 

Some companies offer general liability coverage in their self employed scaffolder insurance program as a short-term policy. It offers a $1 million-$2 million per occurrence and aggregate limit. Policy duration lasts for hours, days, or weeks. 


Professional Liability Insurance for Scaffolding Contractors

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


This scaffolders liability insurance protects you from claims of professional mistakes or negligence while offering services. Although you are an experienced scaffolder, mistakes are often inevitable, and you might face expensive lawsuits.


In What Scenarios Can This Scaffolding Insurance Help You?

  • Faulty designs or calculations that lead to accidents

  • Improper installation or assembly that causes accidents

  • Inadequate safety measures that put your clients at risk

  • Failure to meet building codes that leads to costly losses

  • Failure to warn customers about potential hazards

Add-Ons to Professional Liability Insurance for Scaffolding Contractors

  • Pollution liability insurance–This add-on will cover any claims related to pollution events associated with your scaffolding operations. It safeguards you from incurring liabilities due to the release of harmful products

  • Cyber liability insurance–You manage your clients’ sensitive data as a scaffolding contractor. This scaffolding insurance policy can safeguard your business in case a data breach occurs

Coverage Limits for Professional Liability Insurance for Scaffolding Contractors

If you are accused of professional negligence or errors, your insurer will provide you with a coverage limit to pay associated costs. Generally, you can get a limit of $1 million to $5 million for a single occurrence. You can also receive $3 million to $10 million as the aggregate limit.


Scaffolding Public Liability Insurance

Scaffolding public liability insurance protects you from legal and financial problems if a pedestrian is hurt or your scaffolding activities damage their property. This insurance covers legal expenses, medical expenses, and compensation claims if you are held liable for an accident. 


In What Scenarios Can Scaffolding Public Liability Insurance Help You?

  • Accidents and injuries–If a scaffolding accident occurs on your worksite, the insurance can cover medical expenses, rehabilitation, and legal claims.

  • Property damage–If your scaffolding damages third-party buildings, vehicles, or other structures, your insurance may cover repairs or replacement

  • Legal expenses–If scaffolding activities lead to a lawsuit or legal issue, public liability insurance for scaffolding company can pay lawyer fees, court costs, and settlements

  • Personal injury claims–Public liability insurance can help pay for third-party claims that your scaffolding caused emotional distress, reputational damage, or other non-physical harm

Coverage Limit for Scaffolding Public Liability Insurance

Depending on your business’s specific policy and needs, the coverage limit for this scaffolders liability insurance typically ranges between $1 million and $5 million.

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Commercial Property Insurance for Scaffolding Contractors

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance protects owned or rented buildings. It also includes equipment, inventory, or tools you use to conduct your operations. This scaffolding insurance policy also comes with business interruption insurance. Thus, the policy will reimburse you for the lost income if you are forced to close your business due to a covered event. This scaffolding contractors insurance covers perils such as:

  • Theft

  • Vandalism

  • Wind

  • Lightning

  • Fire

Which Incidents Can This Scaffolding Contractor Insurance Help?

  • If a fire breaks out and damages your scaffolding materials or equipment, this policy will pay for the cost of rebuilding or repairing your damaged property

  • Valuable equipment is stolen; this coverage will pay for the replacement of the items

  • Scaffolding structures are vandalized, leading to destruction and damage; the coverage will pay for the replacements and repairs

  • Natural disasters lead to the destruction of your scaffolding structures; the insurance will cover the replacement and repair costs

Add-Ons to Commercial Property Insurance for Scaffolding Contractors

  • Builder’s risk insurance–This add-on is crucial for contractors working on new projects. This coverage covers the property being constructed against unforeseen damage or loss

  • Equipment breakdown coverage–This add-on can cover your essential items from issues such as electrical failure or mechanical breakdown. It cushions your business from interruptions in the event of these accidents

Coverage Limits for Commercial Property Insurance for Scaffolding Contractors

Regarding the coverage limit for your commercial property, your insurance company bases it depending on the estimated costs needed to repair or rebuild your physical assets. But generally, you can be paid $10,000 to $5 million in coverage.


Two scaffolding contractors working on the side of a building.


Business Owner’s Policy for Scaffolding Contractors 

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


Business owner’s policy (BOP) will safeguard your business from common lawsuits and claims. It also protects your inventory, buildings, and other physical assets in the event of an accident. A BOP is tailored to satisfy the unique requirements of scaffolding contractors and provides comprehensive coverage under a single policy. A business owner’s policy combines:

  • Commercial property insurance

  • Business interruption insurance

  • General liability insurance

What Incidents Are Covered by BOP?

  • A customer or vendor slips on a wet floor in your business premises

  • You sell your customer a defective product that causes injury

  • Claims of slander or libel

  • Your building or inventory is damaged by fire or storm

Add-Ons to BOP for Scaffolding Contractors

  • Employment practices liability insurance–Your employees can sue for discrimination, harassment, or other unfair employment practices. This scaffolders liability insurance provides coverage for settlement and legal costs

  • Inland marine insurance–Covers your equipment or tools while they are in transit or any other equipment that is stored away from your business premises

Coverage Limits of BOP for Scaffolding Contractors

For property coverage, you can receive $250,000 to $1 million. The general liability coverage, on the other hand, offers $1 million-$2 million per occurrence and aggregate. 


Tools and Equipment Insurance for Scaffolding Contractors

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance offers financial protection for the tools and equipment you use in your scaffolding business. This policy compensates you for replacing and repairing your items if they are stolen or damaged. It can also cover even leased or rented items.

Add-Ons to Tools and Equipment Insurance for Scaffolding Contractors

  • Lost income coverage–If your tools or equipment are damaged or stolen, and you cannot work during that period, this coverage will compensate you for the lost income

  • Flood coverage–You can add this if your insurance provider excludes floods and other related events from the covered circumstances in commercial property insurance

Coverage Limits for Tools and Equipment Insurance for Scaffolding Contractors

Tools and equipment insurance offers a $15,000-$25,000 coverage for each item. 


What is Not Covered in the Tools and Equipment Insurance?

Most insurance companies will not cover items damaged due to everyday wear or tear. Items that are past their useful life are also not covered. Additionally, if an insurer notes that you deliberately damaged your items, they will not reimburse you.


Commercial Auto Insurance for Scaffolding Contractors

Commercial auto insurance offers physical damage and liability protection for your business vans or cars. Ideally, your business vehicles need a separate policy from your personal cars as they are exposed to more risks.


What Are the Critical Components of Commercial Auto Insurance?

  • Auto liability–Your vehicle can cause third-party property damage or bodily injury. This coverage will cover all the defense costs if the third party decides to sue you

  • Medical payment–If passengers or drivers are injured in an accident, this coverage will pay the hospital bills

  • Comprehensive coverage–If your vehicle is vandalized or damaged, this coverage will cover all the related costs

  • Collision coverage–It pays for costs of fixing your vehicle if it collides with another car or object

  • Uninsured motorist coverage–In some cases, a driver who does not have insurance can injure your driver. This coverage will cover injuries to the driver and damages to your car

Add-Ons to Commercial Auto Insurance for Scaffolding Contractors

  • Equipment and tool coverage–This add-on can cover all the tools and equipment you carry in your vehicle in the event of an accident

  • Non-owned trailer coverage–Consider including this add-on if you use rented trailers. It covers physical damage that is related to these

Coverage Limits of Commercial Auto Insurance for Scaffolding Contractors

The coverage limits depend on the extent of the damages and parties affected in the accident. For bodily injury liability, you get coverage of $100,000 to $1 million for each occurrence. On the other hand, for collision coverage, an insurer should pay the total repair costs.


Workers’ Compensation Insurance for Scaffolding Contractors

Workers’ compensation insurance is fundamental for your scaffolding business as it protects employees who may sustain illnesses or injuries in the workplace. This insurance policy covers the following:

  • Medical expenses

  • Lost wages

  • Rehabilitation costs

  • Death benefits

Add-Ons to Workers’ Compensation Insurance for Scaffolding Contractors

  • Employer’s liability coverage–This add-on will cover expenses and legal fees for defending employees’ lawsuits and claims for wrongful termination, inaccurate advice, discrimination, and other related offenses

Coverage Limits for Workers’ Compensation Insurance for Scaffolding Contractors

Many factors influence the coverage limits of your policy. Some states dictate the amount an employee can receive after suffering an illness or injury on the business premises. The limit for lost income is 60%-75% of the workers’ wages before the accident.

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Scaffolding Contractor Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $37 $444 $0-$500
Professional liability insurance $40 $480 $500-$1,000
Excess liability insurance $42 $504 $500-$1,000
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $80 $960 $1,500
Tools and equipment insurance $44 $528 $500-$1,000
Commercial auto insurance $55 $660 $500-$1,000
Workers compensation insurance $102 $1,224 $2,500-$5,000


The average scaffolding contractor insurance cost is $37 per month or $444 per year for a $1 million general liability policy. Factors that affect the cost of premiums are claims history,  business history, policy limits, deductibles, location, annual revenue, and number of employees. Here’s a table showing the cost of a $1 million general liability coverage from the best scaffolding contractor insurance companies:

NEXT $23 $276 Best overall; Fastest general liability insurance for scaffolding contractors
CoverWallet $25 $300 Comparing scaffolding contractor insurance quotes online
The Hartford $27 $324 Workers compensation insurance for scaffolding contractors
Tivly $29 $348 Comparing scaffolding contractor insurance quotes over the phone
Thimble $33 $396 Scaffolding contractors who require short-term coverage
Hiscox $35 $420 Worldwide coverage for scaffolding contractors


Compare cheap scaffolding insurance quotes online to better estimate your rates. Click the “Get Quotes” button on this page to start. 

Compare Cheap Scaffolding Contractor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Scaffolding Contractor Insurance Companies

If you are a scaffolding contractor, here is a list of insurance companies and brokers you should consider working with. We have listed each company’s pros, cons, and ratings to assist you in making a more informed decision.


NEXT Scaffolding Contractor Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for scaffolding contractors

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT provides the best insurance products for small businesses. You can easily apply for an insurance policy on their digital platform. Some of the policies this company sells include business owner’s policy, tools and equipment insurance, and business interruption insurance, among others.

Best for: Best overall; Fastest general liability insurance for scaffolding contractors

Average cost: $23 per month

Our rating: 10/10


CoverWallet Scaffolding Contractor Insurance

Pros

  • Compare quotes online 

  • Hired/non-owned auto coverage automatically included in general liability insurance

  • Enjoy cheap premiums if you decide to pay for the whole year

Cons

  • Not an insurance company but an insurance broker 

CoverWallet works as an intermediary between insurance companies and customers. They help you connect with a reputable carrier. On their website, you can use a comparison tool that allows you to check the quotes of various providers. If you are still deciding what to select, their agents will help you make an informed decision.

Best for: Comparing scaffolding contractor insurance quotes online

Average cost: $25 per month

Our rating: 10/10  


The Hartford Scaffolding Contractor Insurance

Pros

  • Renowned company for workers compensation insurance

  • Quote online or through an agent

  • Grants coverage even if your business profile is poor

Cons

  • Limited add-ons to general liability insurance

The Hartford is a reputable insurance provider that offers comprehensive insurance products. This company stands out in the market due to its unrivaled financial stability; they are also very experienced, ensuring you will get the best professional advice.

Best for: Workers compensation insurance for scaffolding contractors 

Average cost: $27 per month

Our rating: 10/10


Tivly Scaffolding Contractor Insurance

Pros

  • You can find competitive insurance premiums

  • A partner of many reputable insurance companies

  • Takes you to the insurance company that best fits your needs

Cons

  • You need to talk to a representative for a quote

Tivly works with various insurance carriers to offer you the best insurance products. They have an online platform where you can select your ideal provider. This insurance marketplace is leading and known for providing competitive rates. Call now to compare quotes over the phone. 

Best for: Comparing scaffolding contractor insurance quotes over the phone

Average cost: $29 per month

Our rating: 9/10


Thimble Scaffolding Contractor Insurance

Pros

  • Offers businesses short-term insurance policies

  • Numerous add-ons to general liability insurance

  • Quickly issues an estimate of your rates

Cons

  • You can’t reach customer service by calling 

Thimble has provided small businesses with on-demand insurance products. You can take a short-term policy for your scaffolding business. This short-term policy lasts for hours, days, weeks, or months. Moreover, you can pause your coverage. That said, choose Thimble if you think that a long-term policy is not necessary. 

Best for: Scaffolding contractors who require short-term coverage

Average cost: $33 per month

Our rating: 9/10


Hiscox Scaffolding Contractor Insurance

Pros

  • Offers multiple coverage options for scaffolding businesses

  • This company has excellent financial stability

  • Offers specialized coverage options for your business

Cons

  • Online quoting may not be available all the time due to periodic site maintenance 

Hiscox has been offering top-rated insurance products since 1901. They provide comprehensive coverage options for businesses. Whether you are looking for BOP, workers’ compensation insurance, cyber liability insurance, commercial auto insurance, or tools and equipment insurance, they got you covered.

Best for: Worldwide coverage for scaffolding contractors

Average cost: $35 per month

Our rating: 9/10

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