Running a business in a high-risk industry means facing unique challenges every day – from worker injuries to property damage, liability claims and legal risks. That’s why choosing the right insurance is crucial. At High Risk Cover, we specialise in tailored insurance solutions for businesses operating in scaffolding, labour hire, and security services across Australia.
In this article, we’ll explore what high-risk insurance is, the industries that need it most, and how High Risk Cover helps you secure the right protection without unnecessary costs or complications.
What is High Risk Insurance?
High risk insurance refers to specialised insurance coverage designed for industries where the likelihood of incidents, accidents, or claims is significantly higher than average. These businesses often operate in hazardous environments, manage mobile workforces, or provide essential safety services – all of which increase exposure to legal, financial, and operational risks.
Industries that often require high risk insurance include:
- Scaffolding and construction services
- Labour hire and recruitment firms
- Security companies and crowd control operators
- Transport and logistics
- Mining and heavy industry
Why High Risk Industries Need Specialised Cover
Standard business insurance may not be enough for high-risk sectors. These industries need protection that reflects the real-world dangers they face on a daily basis, including:
- Physical injuries and workplace accidents
- Damage to client property or third-party assets
- Legal claims for negligence or poor service
- Theft or loss of valuable tools and equipment
- Regulatory or compliance-related fines
The right insurance policy can cover these scenarios, but only when it’s built around your specific business model and risk profile.
Tailored Insurance for Scaffolding Businesses
Scaffolders face one of the highest risk profiles in the construction sector. From working at heights to managing expensive equipment across multiple job sites, the potential for accidents or third-party claims is high.
Scaffolding insurance through High Risk Cover can include:
- Public liability
- Workers’ compensation
- Equipment and tool protection
- Management liability
We help you get the right cover for your business size and the types of projects you take on.
Insurance for Labour Hire and Recruitment Agencies
Labour hire firms place workers into third-party environments – often in construction, warehousing, or technical fields. This can create complex liabilities if a worker is injured or causes damage while on assignment.
Labour hire insurance can include:
- Workers’ compensation
- Public liability
- Professional indemnity
- Management liability for directors and officers
We understand how these businesses work and can help cover your workers, placements, and legal responsibilities.
Insurance for Security Businesses
From guarding premises to managing crowd control, the security industry faces high exposure to both physical and legal risk. Whether you’re protecting property or people, even a single incident could lead to claims, complaints, or serious injury.
Security insurance can cover:
- Third-party injury and property damage
- Allegations of misconduct or negligence
- Injuries to your employees during work
- Professional indemnity for consultants
We support a wide range of security firms, from sole traders to large national operations.
Why Choose High Risk Cover?
At High Risk Cover, we don’t just sell policies – we take the time to understand your business and source cover that suits your real needs. We’re specialists in insurance for high-risk sectors and act as your independent broker to help you compare insurers, manage costs, and understand exactly what your policy can offer.
What Sets Us Apart:
- Industry-specific advice – we know the risks you face
- Access to a wide range of Australian insurers
- No jargon, just straight answers
- Ongoing support – including during claims
How to Get Started
Getting insured with High Risk Cover is simple. Whether you need a quick quote or a full risk review, our team is here to help you make smart, informed decisions about your insurance.
📞 Call us: 1300 477 662
Final Thoughts
If you’re operating in scaffolding, labour hire, or security, don’t leave your business exposed. High risk industries need high-quality, tailored insurance solutions – and that’s exactly what High Risk Cover provides. Let us help you protect your business, so you can focus on running it.
Note: The material offered here is for informational purposes only. It does not constitute legally binding advice and should not be a substitute for a consultation with an insurance expert.
