TradeGuardScaffolding & Access subcontractor insurance requirements
What a general contractor should require from a scaffolding & access subcontractor before they set foot on site, and the coverage gap that most often turns a scaffolding & access job into the GC's claim.
Why scaffolding & access insurance matters
Scaffold collapse and falls are catastrophic, and the scaffold provider is liable to everyone who uses it, not just their own crew.
What to require from a scaffolding & access sub
High-limit general liability (third parties use their equipment), workers' comp, and umbrella given the severity.
Certifications rather than licensing; require competent-person documentation.
Additional insured for ongoing operations + umbrella; confirm no height exclusion.
Limits too low for a trade whose failure injures other trades' workers, not just their own.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
Never miss a scaffolding & access sub's expired COI
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Scaffolding & Access insurance FAQ
What insurance should a scaffolding & access subcontractor carry?+
At minimum, High-limit general liability (third parties use their equipment), workers' comp, and umbrella given the severity.
Do scaffolding & access subcontractors need a license?+
Certifications rather than licensing; require competent-person documentation. Always confirm the requirement in the state and locality where the work happens.
What's the most common COI gap on scaffolding & access work?+
Limits too low for a trade whose failure injures other trades' workers, not just their own.
Other trades
Requirements also vary by state; see insurance requirements by state.