📖 Scaffolder Guide
The Scaffolder’s Guide to Income Protection
Heavy steel, real height, zero sick pay. Here is how cover works for a trade most insurers shy away from.
Get a Free Quote →Scaffolding combines two things insurers tend not to like in one job: serious height and heavy repetitive lifting. The upshot is that off-the-shelf cover often is not available — but specialist cover usually is, if you know who to ask.
The trade-off is honesty about terms. Expect the premium to reflect the risk and expect any exclusions to be clearly stated. What you get in return is a benefit that actually pays if the job puts you out of action.
Quick Answers
Scaffolder Cover — Quick Questions
Can a scaffolder genuinely get income protection?
Yes, though it is specialist. We work with insurers that quote scaffolders and steel erectors properly instead of declining them outright.
Does CIS or limited company status change things?
No. We base the benefit on your real earnings either way.
Will there be exclusions on the policy?
There can be. We set them out plainly before anything goes live, so you know exactly where you stand.
What happens if a fall ends my career for good?
Long-term income protection keeps paying if you cannot work again, and life and critical illness cover protect your family from the financial side of a serious injury.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.