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Public Liability, Equipment & Workers Comp

Scaffolding Insurance

Scaffolding is a critical part of Australia’s construction and maintenance industries — but it’s also one of the most high-risk trades. With elevated work platforms, unstable ground, weather exposure, and public liability, there’s no room for generic insurance in this industry.
At High Risk Cover, we provide scaffolding businesses with tailored insurance solutions that offer real protection. Whether you’re working on high-rise apartments, infrastructure projects or industrial maintenance, our brokerage delivers insurance packages built specifically for your risk profile and regulatory obligations.

Why Scaffolding Requires Specialist Insurance

The key risks include:

  • Falls from height, which remain the leading cause of fatalities in construction.
  • Scaffold collapse, causing damage to property or injury to workers or the public.
  • Tool drops, posing significant risk to people below.
  • Public access to structures, creating liability even outside working hours.
  • Equipment theft, particularly from unsecured job sites.
  • OHS non-compliance, leading to potential SafeWork fines or shutdowns.
These aren’t hypothetical scenarios — they happen daily across Australian job sites. The right insurance helps you meet your obligations, protect your team, and secure ongoing work.

Frequently Asked Questions

Can you cover scaffolding hire as well as installation?

Yes — our policies are tailored to cover both hire-only and full-service scaffold contractors.

Is my equipment covered while in transit between jobs?

Absolutely. General property and plant cover can be extended to include transit and temporary storage.

Can I include subbies in my policy?

We can tailor your policy to account for subcontractors, provided they meet your site safety requirements and legal definitions.

Do I need PI insurance if I only follow engineer’s plans?

If you provide no advice or design input, PI may not be essential — but many sites still require it. We’ll assess and advise based on your actual scope.

RELATED SERVICES

Construction Group of Industry

Get In Touch

  • 1300 477 662
  • team@highriskcover.au
  • 18B/151 Herdsman Parade, Wembley WA 6014

Key Insurance Policies for Scaffolders

Our scaffolding insurance packages are fully customisable. Common inclusions are:

This can cover third-party claims for injury or property damage resulting from your scaffolding work — such as a falling item injuring a pedestrian, or structural failure damaging property.

Most building sites will require minimum public liability of $10 million — and higher for government contracts.

Mandatory for all employers across Australia. We help you comply with your state’s scheme (e.g. icare NSW, WorkSafe VIC, ReturnToWork SA).

This cover ensures wages, rehabilitation and medical costs can be covered when workers are injured on the job.

If you offer scaffold design, planning or structural advice, you need PI insurance to protect against allegations of design error or engineering oversight.

Covers directors, business owners and officers against legal actions related to OHS breaches, mismanagement, unfair dismissal, or negligence.

Scaffold tubes, couplers, planks, mobile towers, trucks, trailers, hoists and more — all of this represents significant capital outlay and is vulnerable to theft or damage.

We cover owned and hired plant, including while in storage or in transit.

Protects portable tools, mobile phones, radios, PPE, site equipment and office contents — whether on-site or in transit.

Secure Your Workforce, Safeguard Your Business

Don’t settle for guesswork when it comes to scaffold insurance. Talk to the experts at High Risk Cover for tailored advice, responsive service, and strong protection.