What is Rigging and Scaffolding Insurance?
Rigging and scaffolding insurance is a type of coverage designed to protect businesses involved in the setup, use, or dismantling of scaffolding and rigging equipment. These activities often take place at construction sites, industrial zones, and during events, and they carry unique risks such as falls, equipment failure, and property damage. Having the right insurance helps manage liability and safeguard your operations.
Who Needs It?
This coverage is essential for a wide range of professionals and businesses, including:
- Scaffolding contractors
- Rigging companies
- Construction firms
- General contractors who work at height
- Event setup crews using suspended equipment
If your business involves lifting, hoisting, or temporary elevated platforms, rigging and scaffolding insurance helps protect you from unexpected financial losses.
What It Typically Covers
While coverage can vary by provider, rigging and scaffolding insurance often includes:
- General liability for third-party injuries or property damage
- Coverage for equipment damage or theft
- Workers’ compensation for employee injuries (if included in your policy)
- Completed operations coverage
- Legal defense costs if you're sued due to a covered incident
Common Exclusions and Limitations
Most policies will not cover damages or injuries due to:
- Improper use or unauthorized modifications to equipment
- Wear and tear or mechanical failure not due to accidents
- Intentional acts or gross negligence
- Work done outside the coverage territory
Always review your policy to understand what is and isn’t covered.
Factors That Influence Cost
The cost of rigging and scaffolding insurance varies depending on several factors:
- Type and size of your business
- Experience and safety record
- Types of equipment used
- Project locations and scope
- Coverage limits and deductibles
Businesses with a strong safety history and risk management practices may see lower premiums.
Proof of Insurance and Compliance
Many clients, contractors, and local authorities require proof of insurance before work begins. This may be in the form of a certificate of insurance (COI). Compliance with local, state, and federal regulations is often necessary, especially when working on public or large-scale private projects. Requirements can vary, so consult with a licensed insurance agent familiar with your industry.
How to Get a Quote
Getting the right coverage starts with a customized quote. Fill out our quick online form to get started and protect your business today. Get a quote.
Frequently Asked Questions
Is rigging and scaffolding insurance required by law?
Requirements vary by state and project type. While not always legally required, many clients and job sites require proof of coverage before work can begin.
Does this insurance cover my employees?
If your policy includes workers’ compensation or employer’s liability, it can help cover employee injuries. Always confirm the specific coverages in your policy.
Can I add additional insureds to my policy?
Yes, many policies allow you to add clients or contractors as additional insureds. This is often required in construction contracts and helps protect all parties involved.
What’s the difference between rigging coverage and general liability?
General liability covers third-party injuries and property damage, while rigging coverage specifically addresses risks related to lifting and hoisting operations.
What if I rent scaffolding equipment—am I still covered?
Coverage for rented equipment depends on your policy. You may need to add an endorsement for rented or leased equipment.
Still have questions? Talk to a local insurance expert.