Construction is one of the most dangerous occupations to have, with figures showing that the fatal injury rate is four times the all-industry rate. As such, it’s essential that those in the industry have approximately the equipment, skills, knowledge and experience required in order to do their jobs safely.
For those interested in finding out more, here are some of the frequently asked questions about working at height, which is one of the riskiest construction jobs and the main cause of fatal accidents and major injury in the workforce.
What is work at height?
Work at height refers to any place where someone could fall a distance that would result in personal injury if no precautions were taken. You are working at height if you are above ground or floor level, could fall from an edge through a fragile surface or an opening, or if you could fall into an opening in the floor or a hole in the ground.
What are collective fall prevention measures?
Collective protection is equipment such as scissor lifts, guardrails and tower scaffolds, which don’t require those working at height to act to be effective.
What are personal fall prevention measures?
Personal protection is equipment that requires the operator to do something, such as putting on a safety harness properly and connecting it to a suitable anchor point using an energy-absorbing lanyard.
The regulations place duties on employers and those managing any work at height activity, where there is a risk of a fall liable to cause personal injury.
All work must be properly planned and organised, all operators involved must be competent and risk assessments must be carried out and appropriate work equipment selected and used. Equipment must also be properly inspected and maintained and the risks of working on or near fragile surfaces properly managed.
Do I need working at height insurance?
Because of the risks involved, a work at height insurance policy is a good idea and there are various different indemnity policies available that cover different heights, as well as more general policies with an unlimited height restriction.
Working at height is often a very necessary task, but it inevitably comes with dangers. Whether it is a crane operator, a window cleaner on a tall building, a roofer, or a tree surgeon in a cherry picker, there will be numerous occasions where working at height is necessary.
The Health and Safety Executive (HSE) has much to say about this issue and for good reason: It is the most common cause of death and serious injury in UK workplaces. The HSE defines working at height as “work in any place where, if there were no precautions in place, a person could fall a distance liable to cause personal injury (for example a fall through a fragile roof).”
As an employer, it is important to know your legal responsibilities from the outset. These are primarily contained in the Work at Height Regulations 2005, which are more precise than the nonetheless important general provisions of the Health and Safety At Work Act 1974.
While work should not be done at height unless necessary, the fact that it so often does need to be means your firm can benefit from working at height insurance. This will cover you for work undertaken in situations where people are using slings, scaffolds, platform access and various other potentially hazardous settings.
This will give you indemnity against accidents, although it is very important to be aware that this does not absolve you of the serious legal responsibilities involved. The 2005 regulations set out the responsibilities employers have to carry out full risk assessments, provide the right equipment and ensure tasks are carried out by trained and competent people.
Failures can lead to tragic consequences for accident victims and also lead to prosecutions for firms, with both hefty penalties and significant reputational damage.
It is, therefore, crucial both to be properly insured and still follow the law very closely when you have staff working in these potentially dangerous situations.
Working At Height Insurance
If you are working at height then you will need an Insurance policy that can allow cover and Indemnity for various heights such as up to 15 metres or even a policy that offers an “Unlimited Height restriction” these policies can be provided by our expert insurance staff who quote for all different types of occupations who work at unusually high situations.
Just Quote Me can cover all aspects of height work including platform access, rope access, slings cradles, scaffolding platforms, in fact we can cover any modern day method of working at height insurance you can think of.
Some of our clients include safety Netting Installers, Scaffolders and Builders – in fact we cover many different professions that work at above normal heights, standard Insurance policies will cover 0-3 metres or 3-5 metres but bespoke policies are available at great prefixes from Just Quote Me.
With over 30 years experience our experts on on hand every day to give help and advice to anyone working above ground level including those who may use of heat.
Contact us to find out more about Working At Height Insurance:
Get a FREE Working At Height Insurance quote by filling out our Quick Quote form or by calling 0800 084 2325.
Working at Height Quick Quote Online Quote Working at Height In many sectors it is unavoidable that employees have to work at height. Even if you are a sole trader and you work at height, such as an independent tradesman, it is a good idea to have a work at height...
Working in construction is one of the most high-risk occupations and this increases further when you begin working at height. Roofers are a prime example of workers who put themselves in high risk positions every day. The unique nature of this role means insurers offer specialised roofers insurance for your peace of mind and safety. Many insurers offer a select range of different covers under a single policy for your convenience too. At Just Quote Me we can provide a range of roofers insurance quotes to give you plenty of choice.
Arranging your Roofers Insurance
You may or may not know the type of insurance cover you need within your roofers insurance policy. Most roofers will want their cover to include:
- Public liability insurance: the key type of insurance for most businesspeople. Public liability insurance protects your business against the costs of a claim made by a third party. Whether they claim they were injured due to your work or that their property was damaged.
- Employers’ liability insurance: this type of insurance is the only compulsory kind in the UK. If you have a single employee, even on a casual or temporary basis, you must have employers’ liability insurance. It provides financial protection when an employee or ex-employee makes a claim of injury or illness due to working for you.
- Tool and machinery insurance: the equipment used in your every day work can be expensive and if it is damaged or stolen, your business it at risk. Tools, plant and/or machinery insurance provides financial compensation should either theft or accidental damage occur.
- Personal accident insurance: the high risks of working at height as a roofer make personal accident insurance a popular addition to roofers insurance policies. It will provide financial cover for lost earnings and medical costs after serious injury.
The types of insurance relevant to your business will be unique. Furthermore, you must consider other elements of the business too. Some contractors may want to look at more comprehensive policies for a wider range of construction workers. Sometimes it seems like investing in additional insurance cover is just another way of spending valuable business capital. However, if a claim is made against you, you’ll be happy the cover was in place.
Roofers Insurance with Just Quote Me
At Just Quote Me, you will deal with our specialist insurance advisors from day one. All advisors are dedicated to finding the best quotes for every client. We regularly work with construction companies and individuals providing a choice of insurance options for them. This includes many high-risk workers, such as those looking for roofers insurance. We appreciate every business has individual needs and can discuss your requirements before looking at quotes if you simply request a call back. Alternatively you can contact us directly through our website.
Many people who work at height invest in specialist insurance, but it is possible to go even further with industrial rope access insurance. This is a very specific but extremely vital type of cover. It ensures those utilising industrial rope access themselves, for their employees or contractors, have the additional cover needed to protect themselves against the financial risks that come with claims of negligence.
What is Industrial Rope Access?
Those outside of the sector may be confused even by the term industrial rope access. The International Rope Access Trade Association (IRATA) define the system as a safe way of working at height where ropes and associated equipment are used to gain access to and from the work position, while also providing necessary support. Many Industrial Rope Access insurance policies are designed in line with IRATA guidelines. Some are exclusively for members of the association.
Industrial rope access insurance is suitable for individuals and businesses in many different sectors but is usually most applicable to those in the oil and gas energy, those working with petrochemicals, in civil engineering, construction or mining. People working in this sector already know how tricky it can be to get adequate insurance cover, because of the high risk involved, but at Just Quote Me we will work with you to organise the right insurance for your needs.
Industrial Rope Access Insurance Options
Many of the specialist providers of this niche insurance offer a range of options. Their cover may depend on the number of people requiring it. Some policies offer cover for single workers and others for much larger groups. It may also incorporate both employers’ and public liability insurance. This protects the business against claims made by both employees and third parties. The short-term nature of some contracts also means you may only be looking for a short-term policy. There are industrial rope access insurance providers who offer this too.
Contact Just Quote Me today to discuss your industrial rope access insurance options. We’re ready and waiting to talk through what’s available and help you find the best option for your needs.
Working at height makes any job high risk and this is especially through or scaffolders. Working at height presents many risks and this is why specialist scaffolders insurance is recommended. Scaffolders insurance can be made up of a range of different covers, protecting you against different potential risks and claims. Many insurers allow you to build your own policy dependent on your needs, all under a single premium.
What does Scaffolders Insurance include?
One of the most important types of insurance for scaffolders is public liability insurance. It helps protect you and your business should a third party (such as your customer) be injured or their property damaged due to your work.
Scaffolders who employ others even on a casual or temporary basis need employers’ liability insurance. This is a legal requirement and there are hefty fines possible if you do not have adequate cover for your employees. It will cover any claim from an employee or ex-employee. Without this insurance in place you are breaking the law if you employee even a single individual.
Considering the high-risk nature of scaffolders’ work, you may also want to consider personal accident insurance. It’s a type of cover all construction workers consider. It will cover medical costs as well as loss of earnings which come after a serious injury. No one wants to think about the worst happening but when working at height is key to a profession, it is prudent to do so.
Scaffolders Insurance with Just Quote Me
Just Quote Me specialise in helping professionals and businesses find the right insurance for their needs. This includes many in the construction industry, such as scaffolders. We work with you to find affordable scaffolders insurance quotes, offering a range of options to suit various budgets, business sizes and circumstances. Fill out your Quick Quote form today or request a call back from our specialist advisors.