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Building and Related Contractors: How to Handle Scaffolding Risks

News Flash: two construction workers die after falling seven stories from a scaffold at an Orlando FL hotel.

A scaffold –that temporary or transportable raised stand for construction workers or minors to use while laying bricks, painting, washing windows, mining or doing other work at a required height  – has distinct risks.

In regard to insurance coverage, scaffolds pose difficult liability exposures. In particular, the potential workers comp losses hold great concern for the underwriters.

Scaffold liability exposures include:

  • Equipment and other objects that may fall from the high scaffolds and hurt workers or pedestrians standing or walking below

  • Equipment and other object that may drop from the scaffolds, causing damage to moving or parked vehicles below

  • The possibility of workers falling off of the scaffolds

  • The possibility of having improperly erected scaffolds collapsing and hurting workers or third parties.

Clearly, it is extremely essential to implement loss control measures and meticulously follow the safety regulations, as they pertain to training, safety, and scaffolding erection and dismantling.

An experienced and knowledgeable independent insurance agent that does direct business with a wide network of underwriters will be able to advise on tailored insurance coverage as it relates to your individual building or scaffolding contracting business.  

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – big companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Working on a scaffold involves risks that an experienced insurance agency can address.


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