Scaffolders & Life Insurance

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ScaffoldersWhen you work at heights insurers can want to know a few details to decide what life insurance they can offer you. We know that you will be following in-depth safety procedures as part of your work, but if you are up high and something goes wrong, it can be a really big issue.

To check what life insurance is right for you we will ask you:

  • What is the usual height that you work at?
  • What is the maximum height that you may work at?
  • How much of your working week is spent at heights?

Life insurance for scaffolders who work at under 40 feet (12 metres) can often get life insurance at normal terms. This means no price increases or exclusions.

If you are working higher than this then it’s really important to pick an insurer that is ok with your job.

Our expert advisers are here to pick the right insurer to get the best life insurance for you.

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 you will be asked about your occupation. As a scaffolder this will include questions about the heights that you work at and if you potentially go abroad as part of your job.

If you usually work at 40 feet or less you will usually find that insurers will consider critical illness cover at standard rates. At heights over this you might need to be picky about the insurer that you use, so that you get the best price for critical illness cover.

Our award winning advisers will talk you through the right critical illness policy to suit you.

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 available with some insurers. You will find that there can be huge differences in the price of income protection that you apply for, with different insurers. This is because some insurers are specifically well priced for blue collar workers.

When you apply for income protection the insurer will want to know about any medical condition or injury that you have experienced in the last few years, that has stopped you being able to work.

Our advisers will find the right income protection policy to match you and your needs.


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

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Review by Cathrine on 18th August 2020

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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


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