01183 218197
(+44 118 321 8197 from abroad)
Monday to Friday10am - 4:00pm
Saturday, Sunday & Bank HolsClosed

Income Protection for Scaffolders

Why is it important for scaffolders to consider an Income Protection policy?

building with scaffolding

What does Income Protection do?

Income Protection provides you with a regular income if you are unable to work for an amount of time due to illness or injury. A policy will normally pay out between 50% and 70% of your gross income but this will depend on the policy you choose. Income Protection will not pay out for redundancy, death or dismissal. We work with an industry expert who can search for a policy to suit your needs from a range of leading insurers.

What are the benefits of Income Protection for a Scaffolder?

There are risks for any working person that they could be taken ill or injured but the risks of an accident with an occupation such as a scaffolder are even higher due to the nature of the job. Scaffolders work at heights so there is an increased likelihood of falls. falling debris and not forgetting the challenges of adverse weather.

If you have an extended time off work to recover you may be faced with your regular bills (possibly also additional medical bills) and no income. With an Income Protection policy in place, you can be relieved of the financial stress by receiving a monthly pay out from your plan.

Just click on the Green Button at the top, pop in a few details and your search for Income Protection for Scaffolders can start.

How much does it cost for Income Protection?

When trying to find the policy to fit your needs, you need to consider:

  • What proportion of your income do you want to protect?

  • How long do you want the policy for?

  • What time frame do you want to be able to claim for if you are off work?

Your general health and age are factors are factors in determining your premiums. Generally, the younger you start your policy, the less it will cost you.

Could being a Scaffolder affect my premiums?

Any dangerous occupation can result in an increase in premiums but it is not straightforward. There will be questions asked to determine your level of risk. These can include:

  • Where is your job based?

  • What accidents have you had in the past?

  • What are your daily tasks?

  • What kinds of dangers do you face such as how high do you work?

Some insurers may not put a higher rating (and charge higher premiums) on scaffolding jobs unless you work over a certain height, This is why talking to an expert like our partner is crucial as they will know which insurers can help.

Can I get Income Protection if I am a self-employed Scaffolder?

Yes you can. When you are self-employed you may well not receive Statutory Sick Pay if you are off work so you do need to consider protecting yourself through an Income Protection policy.

How can our expert Income Protection partner help?

Not every scaffolding job is the same and, when you work in a higher risk industry, it becomes even more important to ensure that you have the correct policy in place - and hopefully at the most competitive price! Our partner can talk through your options with you so you get a clear picture of what kind of income protection you might want, The experts use their knowledge alongside the information you provide to search out an Income Protection plan that works for you as a scaffolder.

Click on the link below and our experts will be in touch to discuss your Income Protection needs.

Request a Callback


Our expert partner, LifeSearch, are one of the UK's largest life assurance brokers. They work with some of the leading insurers to search out the cover you need. The companies they work with include AIG, Aviva, British Friendly, Legal & General, LV=, Royal London, The Exeter, Vitality, Scottish Widows, National Friendly, Shepherds Friendly, Cirencester, Holloway, Guardian and Zurich. Lifesearch, like MoneyMaxim, are regulated and authorised by the FCA,. They can offer a guarantee to get you the right cover at the most competitive premium they can find. There are no fees and no obligation with their service.

Image courtesy of: Pixabay

This content was last reviewed on 31/05/2023