Scaffolders & Life Insurance

Request a Callback

By clicking on submit I / We give consent for you  to call me / us on the number provided to discuss my / our financial requirements.

ScaffoldersLife insurance for scaffolders who operate below 40 feet can often be secured at normal terms with most providers. Where heights higher than this are traversed the application may need to be placed with a specific insurance provider who will consider the cover.

At present there are providers who can offer normal terms for scaffolders regardless of the height that they work. If you are required to work abroad the insurer will take the locations that you work into consideration when assessing your life insurance application.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

When you apply for critical illness insurance, scaffolding will need to be detailed to the insurer in regards to the height that you work at and the amount of time spent on the scaffold. For those who work at 40 feet or below many insurers will consider critical illness cover at standard rates. For heights above this you may need to approach a more specialised insurer with your application, however cover may still be available at normal terms.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Scaffolders income protection can be secured with an own occupation definition if you approach the correct insurer for your needs. This means that if you are unable to work as a scaffolder due to significant illness or injury then your policy will pay a claim. Other definitions of cover such as suited occupation or any occupation are far more difficult to secure claims with and we would recommend that you purchase own occupation cover wherever possible.

Income protection for scaffolders will come with a deferment period of 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. This is the amount of time that you will need to wait from the start of you being unable to work, to the time that your claim is paid to you. The decision of the deferment period of the policy you apply for should take into account any employment benefits you have, your savings and budget for the cover that you need.

Where income protection is not suitable for your individual circumstances you may wish to consider accident, sickness and unemployment cover. This policy provides a short-term income replacement of 12 to 24 months, in the event that you are unable to work due to illness, disability or involuntary redundancy. You may wish to opt for the accident, sickness and unemployment cover if you have a medical condition that makes you ineligible for income protection or increases the premium so that the cover is no longer affordable.

Are you planning a holiday? It can often be worthwhile speaking with a specialist travel broker, to make sure that you get the right travel insurance. Please visit our dedicated travel insurance page for more details here.


Scaffolders construct climbable frames that support people, machinery and equipment to develop, restore or renovate building structures. Work is carried out at significant heights and there is an inherent need for heightened awareness to ensure the safety of those on the scaffold and within the general vicinity.

  • Residential scaffolder
  • Commercial scaffolder
  • Industrial scaffolder
  • Equipment safety
  • Serious injury
  • Working at heights
  • Erection of safety framework to support people, machinery and equipment at significant heights

By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 541 reviews.

Review by Cathrine on 18th August 2020

Excellent service. Could not have been more helpful or more professional. Great team. Would highly recommend. - 5 

You can read more of our reviews here.


Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


Client Reviews


Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Get a Quote

Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

What We Offer?

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

Guides & News

Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!

Our Recent Awards