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Why You Might Need Working At Height Insurance

Why You Might Need Working At Height Insurance

Working at height is a common aspect of many professions, including construction workers, window cleaners, roofers, tree surgeons, and more. However, working at height also comes with its fair share of risks and hazards. Accidents and injuries can occur, resulting in financial loss and legal liabilities. This is where working at height insurance comes into play. In this article, we will discuss when you might need working at height insurance and why it is essential for businesses and individuals who work at height.

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What Are The Working At Height Regulations?

What Are The Working At Height Regulations?

During particularly bitter and brutal winter weather, one of the UK’s most prominent workplace hazards becomes even more dangerous, and the need for working at height insurance is more pronounced.

According to the Health and Safety Executive, one of the biggest causes of major life-changing injuries and fatalities in UK workplaces is due to the inherent risks of working at height.

However, it took until 2005 for workers outside of the construction sector to receive the same level of legal protection via the current active legislation, the Work At Height Regulations 2005.

To understand the importance of this legal instrument and why a major industry body is campaigning to protect it from repeal, we need to explore the regulations and why they were needed in the first place.

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5 Working At Height FAQs

5 Working At Height FAQs

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.

How do I comply with the Work at Height Regulations 2005?

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.

Why Working At Height Insurance Matters

Why Working At Height Insurance Matters

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

Working At Height Insurance

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 Insurance

Working at Height

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...
Protection at Height with Professional Roofers Insurance

Protection at Height with Professional Roofers Insurance

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.

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Business Insurance Staffordshire

Business Insurance Staffordshire

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With Just Quote Me you can easily compare both small and large corporate business insurance policies from a wide variety of the UK’s leading insurance specialists, ensuring that you get the best price for the cover that you need.

Staffordshire business insurance quotes of all sizes.

For insurance brokers in Staffordshire, look no further than Just Quote Me. We can help you find the right kind of cover at competitive prices or, if you’d prefer, carry out a free business insurance review of your current policies to see if we can secure you better cover – and at a better price.

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With Just Quote Me you can easily compare both small and large corporate business insurance policies from a wide variety of the UK’s leading insurance specialists, ensuring that you get the best price for the cover that you need.

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Sourcing the best insurance for your particular needs can be tricky, but Birmingham insurance broker Just Quote Me can help you do just that. Our comparison service is second to none and you can compare quotes in minutes, as well as taking advantage of our wealth of industry knowledge to ensure that you get the cover you need, at the price you want.

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We work with these insurance providers to save you time and money.

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We provide professional business insurance for a wide range of different companies in many different sectors.

You will find many types of business listed on our site but don’t worry if yours isn’t there, we can source quotes for every kind of business. You can call us for FREE to discuss your business needs on 0800 084 2325.

Business Insurance

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Trade Insurance

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Property Insurance

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Our Customers Say

“We have chosen Just Quote Me Ltd as our Insurance Brokers for the last 22 years, in this time we have grown from a small business to a Multimillion pound company and Oliver at Just Quote me Ltd has always been there to give us the best advice to keep our business up to date and fully protected, I would recommend Just Quote Me for your Business Insurance Needs.”

Mr Steve Dixon
MD, Total Shop Fit Ltd, West Midlands

Our Partners

With Just Quote Me you can easily compare both small and large corporate business insurance policies from a wide variety of the UK’s leading insurance specialists, ensuring that you get the best price for the cover that you need.

Free Quote

Fill out your details below and find the right insurance package for you or your business.

One of our Insurance experts will call you back as soon as they are free (during 9am – 6pm Monday to Friday).

Business Insurance Staffordshire

Business Insurance Stafford

Stafford Insurance Brokers

With Just Quote Me you can easily compare both small and large corporate business insurance policies from a wide variety of the UK’s leading insurance specialists, ensuring that you get the best price for the cover that you need.

Stafford business insurance quotes of all sizes.

Looking for independent wholesale insurance brokers in Stafford but aren’t sure where to begin? Get in touch with us at Just Quote Me to see how we can help you compare different insurance policies online to ensure that you get the best price for the cover you need.

It’s never been easier to compare business and personal insurance policies – and we have more than 28 years’ industry knowledge behind us, so you know you’re in the safest of hands.

We work with these insurance providers to save you time and money.

Compare Stafford Business Insurance Quotes

We provide professional business insurance for a wide range of different companies in many different sectors.

You will find many types of business listed on our site but don’t worry if yours isn’t there, we can source quotes for every kind of business. You can call us for FREE to discuss your business needs on 0800 084 2325.

Business Insurance

Vehicle Insurance

Trade Insurance

Landlord Insurance

Property Insurance

Hospitality Insurance

Our Customers Say

“We have chosen Just Quote Me Ltd as our Insurance Brokers for the last 22 years, in this time we have grown from a small business to a Multimillion pound company and Oliver at Just Quote me Ltd has always been there to give us the best advice to keep our business up to date and fully protected, I would recommend Just Quote Me for your Business Insurance Needs.”

Mr Steve Dixon
MD, Total Shop Fit Ltd, West Midlands

Our Partners

With Just Quote Me you can easily compare both small and large corporate business insurance policies from a wide variety of the UK’s leading insurance specialists, ensuring that you get the best price for the cover that you need.

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Fill out your details below and find the right insurance package for you or your business.

One of our Insurance experts will call you back as soon as they are free (during 9am – 6pm Monday to Friday).

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We have over 27 years’ experience in the industry and our wealth of knowledge means that we’re perfectly placed to help you secure the cover you’re looking for, at the most competitive prices.

We work with these insurance providers to save you time and money.

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We provide professional business insurance for a wide range of different companies in many different sectors.

You will find many types of business listed on our site but don’t worry if yours isn’t there, we can source quotes for every kind of business. You can call us for FREE to discuss your business needs on 0800 084 2325.

Business Insurance

Vehicle Insurance

Trade Insurance

Landlord Insurance

Property Insurance

Hospitality Insurance

Our Customers Say

“We have chosen Just Quote Me Ltd as our Insurance Brokers for the last 22 years, in this time we have grown from a small business to a Multimillion pound company and Oliver at Just Quote me Ltd has always been there to give us the best advice to keep our business up to date and fully protected, I would recommend Just Quote Me for your Business Insurance Needs.”

Mr Steve Dixon
MD, Total Shop Fit Ltd, West Midlands

Our Partners

With Just Quote Me you can easily compare both small and large corporate business insurance policies from a wide variety of the UK’s leading insurance specialists, ensuring that you get the best price for the cover that you need.

Free Quote

Fill out your details below and find the right insurance package for you or your business.

One of our Insurance experts will call you back as soon as they are free (during 9am – 6pm Monday to Friday).