Does Builders Risk Cover Scaffolding?

Oregon’s state risk guidance specifically lists scaffolding and temporary structures at the described site among items that may be covered. That guidance is a model clause, not a promise that every policy includes scaffolding or covers it away from the project. Check whether scaffolding is owned, rented, or supplied by a subcontractor, and whether it is included in the project value. Confirm limits, theft treatment, wind safeguards, and coverage while dismantled, stored, or moved. Liability from a scaffold accident is a separate question from physical damage to the scaffold itself. If scaffolding collapses and injures someone, workers compensation or a contractor’s liability policy addresses a different claim from the cost to replace the scaffold. The ISO specimen offers limited temporary-structure expense coverage, while the Oregon clause is a sample requirement; neither controls a buyer’s policy. Verify the scaffold is at the scheduled site and confirm limit, rental interest, wind precautions, and removal costs.