Liability
- Collapse or toppling
- Falling scaffold parts
- Injury to users
Erection and inspection · falling parts · use by third parties
Scaffolding liability insurance
You build a structure that other people stand on. That is the distinguishing risk: your liability continues after you have left.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Aansprakelijkheidsverzekering steigerbouw.
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The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Scaffolders erect, inspect and dismantle scaffolding for construction, industry and events. The AVB covers damage to property and people during and after erection.
What is special is that third parties use your structure. If a scaffold collapses or topples during use, the erection and the inspection are examined first, even if weeks have passed.
What does scaffolding liability insurance cover?
The structure of the cover in three parts, with an overview per situation below.
After handover
Your liability continues after you have gone.
- Scaffold tag and release
- Recording the inspection
- Modifications by third parties
Above the public highway
Scaffolding above a pavement or street.
- Screening and netting
- Wind load
- A higher sum insured
What is covered
| Situation | Covered |
|---|---|
| A scaffold collapses during use | Sometimes |
| Falling parts damage a car | Yes |
| Injury to a passer-by in the street | Yes |
| Damage to the building the scaffold stands against | Sometimes |
| An alteration by another party without your knowledge | Sometimes |
| Damage to your own scaffolding equipment | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Record the inspection and release
A scaffold tag with the date, inspector and release is the first document asked for after a collapse.
Modifications by third parties
If another party removes a guard rail or a tie, liability shifts. Record the condition in which you handed the scaffold over.
Falling parts and wind
Scaffold parts, netting and sheeting that come loose in the wind cause damage in the street. Anchoring and wind loading belong in the design.
Working above the public highway
With scaffolding above a pavement or street your liability towards passers-by weighs heavily; set the sum insured accordingly.
What does your premium depend on?
- Annual turnover and payroll — the main basis for calculation
- Type of projects — construction, industry or events
- Height and complexity of the scaffolding
- Sum insured per claim
- Certification and inspection regime
- Claims history
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Am I still liable once the scaffold is up?
Yes. After a collapse the erection and the inspection are examined, even weeks later. Your scaffold tag and release document are then decisive.
What if another party alters the scaffold?
Then liability shifts, provided you can show the condition in which you handed it over. Record that with photographs and a signature.
Is damage to the scaffold itself covered?
No, that is your own equipment. Insure it under a plant or business contents policy.
What applies to scaffolding above the public highway?
Your liability towards passers-by then weighs heavily. Provide screening and set the sum insured to match that risk.
Which sum insured do clients require?
That is set out in the contract or specification and varies widely by sector; in industry and petrochemicals it is often several million per claim. Ask for the requirement before you tender.
What is the difference between the AVB and the BAV?
The AVB covers damage to property and injury to people. The BAV covers pure financial loss: financial disadvantage caused by an error, without anything being broken or anyone being injured. In downtime and delay claims, that is the difference that counts.
Read more
Similar pages
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.