Specialist Insurance for Working at Height

Working at height creates significant risks
for contractors, employees and members of
the public. Accidents can result in serious
injuries, property damage and potentially
substantial compensation claims.

Some insurance policies restrict the
maximum height at which work can be
undertaken, while others exclude particular
activities or methods of access.

We take the time to understand your
operations, including the heights involved,
the work undertaken, access equipment
and safety procedures, before approaching
suitable insurers.

Our aim is to help ensure your insurance
accurately reflects the work you carry out.

What Can Work at Height Insurance Cover?

Depending on your business activities
and the insurer selected, available
cover may include:

It is particularly important to check
any height limits, depth limits, activity
exclusions and safety-related conditions
applying to your policy.

How Much Does Work at Height Insurance Cost?

The cost of work at height insurance
depends on several factors, including:

• The maximum height at which you work
• The nature of your activities and contracts
• The number of employees and subcontractors
• Your annual turnover
• Your previous claims history
• Your health and safety procedures
• The level of liability cover required

Higher-risk activities and locations
may attract higher premiums or more
restrictive insurance terms.

We help present your business accurately
to insurers, including details of your
experience, qualifications and
risk management procedures.

What Level of Liability Insurance Do You Need?

Choosing an appropriate liability
limit is an important consideration
for businesses working at height.

Public Liability Insurance

Public liability limits commonly
requested by contractors range from
£1 million to £10 million, although
higher limits may be available
where required.

Principal contractors and commercial
clients may specify minimum insurance
limits within their contracts.

Employers’ Liability Insurance

Most businesses employing staff
are legally required to hold employers’
liability insurance, subject to
statutory exemptions.

The usual legal minimum is £5 million,
although many insurers provide
£10 million as standard.

We’ll help you review your contractual
requirements and discuss suitable
insurance limits.

Insurance for Different Work at Height Activities

We can explore insurance options
for a range of activities, subject
to insurer acceptance, including:

• Roofing and roof maintenance
• Scaffolding contractors
• Window cleaning at height
• Building maintenance and repairs
• Cladding and façade work
• Steel erection and structural work
• Telecommunications installation
• Rope access and specialist access work

Some activities require particularly
specialist underwriting. We’ll discuss
your exact operations before identifying
suitable insurance markets.

Why Choose Edison Ives?

At Edison Ives, we understand that
arranging insurance for higher-risk
activities requires specialist
knowledge and careful attention
to policy terms.

Our experienced brokers can approach
a range of mainstream and specialist
insurance markets to explore cover
for your business.

We provide straightforward advice,
personal service and support with
policy changes, renewals and claims.

Dedicated Account Management

You’ll have a dedicated point of
contact who understands your business
and can help with your insurance
requirements throughout the year.

How to Get a Work at Height Insurance Quote

To obtain a quotation, we’ll need
information about your business,
including the work you undertake,
maximum working heights, access
methods, turnover and staffing.

We may also need details of your
qualifications, safety procedures,
previous claims and contractual
insurance requirements.

We’ll then approach suitable insurers
and explain the quotations available,
including important conditions,
exclusions and excesses.