Risk: Who Carries What
Every construction contract is a risk allocation document. When you sign it, you're agreeing to carry certain risks. The question is whether you know which ones.
Most scaffolding subcontracts are back-to-back with the main contract — which means the main contractor's risks flow down to you. Understanding what you've agreed to carry, and what the main contractor is obliged to carry, is the starting point for every dispute you'll ever have.
Risks typically carried by the Main Contractor
Their risk
- Programme delays caused by other trades or late information
- Access disruption caused by their site management
- Late issue of drawings, specifications, or revised designs
- Employer-caused delays passed down through the main contract
- Scope changes instructed by the CA or main contractor
Risks typically carried by You
Your risk
- Labour productivity and gang output
- Materials procurement and pricing (unless fluctuations clause applies)
- Your own programme and sequence of works
- Defects in your work and any cost to put them right
- Health and safety compliance for your operations
The problem is that many scaffolding subcontracts include onerous risk transfer clauses — attempting to pass down risks that should sit with the main contractor. These include "time at large" provisions, obligations to maintain progress regardless of access, and blanket waivers of entitlement to extension of time.
Watch Out
"The subcontractor shall at all times maintain progress notwithstanding any delays caused by others" — this type of clause is common and potentially enforceable. If you see it in your subcontract, take legal advice before signing. It may effectively waive your right to claim additional time or money for delays you didn't cause.
Delay: Types & Entitlement
Not all delays are equal. Whether a delay gives you more time, more money, or both depends on who caused it.
Three Types of Delay
Employer / Main Contractor Caused
Late access, late information, scope changes, disruption by other trades instructed by the MC. Entitlement: extension of time and loss & expense (additional cost).
Three Types of Delay
Neutral Events
Exceptionally adverse weather, force majeure, statutory changes. Entitlement: extension of time only — more time, no additional money.
Three Types of Delay
Contractor-Caused
Your gang is slow, you run out of materials, a key supervisor is off sick. No entitlement to time or money. This is your risk to manage.
What you need to do when delay happens
Notice is almost always a condition of entitlement. Under most contracts, if you don't give notice of a delay event within the specified time (often 7–14 days), you lose the right to claim — even if the delay was clearly the main contractor's fault.
Liquidated Damages (LDs). If the main contractor is assessed LDs by the client for late completion, they will often attempt to pass these down to subcontractors. Your subcontract should specify a cap on your LD exposure. If your delay entitlement has been properly claimed and an EOT granted, LDs cannot be assessed against you for that period.
The HGCRA 1996 Payment Cycle
The Housing Grants, Construction and Regeneration Act 1996 HGCRA 1996 gives every scaffolding subcontractor a statutory right to be paid — on time, in predictable instalments, with proper notice if payment is being withheld. It applies to almost all construction contracts in England, Wales, and Scotland.
Understanding this Act is not optional. It is the legal framework that governs every payment you are owed.
Main Contractor's perspective
How they see it
- Monthly payment cycle tied to their own interim applications
- Pay-when-paid clauses attempted but largely unenforceable under HGCRA
- Withholding payment requires a valid pay-less notice
- Missing the final date creates statutory interest entitlement
What it means for you
Your rights under the Act
- Statutory right to payment in regular instalments — typically monthly
- Right to a payment notice telling you what will be paid
- Right to suspend work (with 7 days' notice) if not paid on time
- Right to refer to adjudication at any time
The payment timeline
The HGCRA creates a fixed sequence of dates. Each one has legal significance.
Practical Point
Your subcontract will specify the exact number of days at each stage. Read those dates carefully and put them in your diary. Missing your application date means the whole cycle shifts — costing you a month of cash flow. The main contractor will not chase you to submit.
Pay-Less Notices
A pay-less notice is a formal document that tells you the main contractor intends to pay less than the notified sum — and why. It must state the sum they propose to pay and the basis for the difference.
Key Legal Point
No Notice = Full Notified Sum
If the main contractor fails to issue a valid pay-less notice before the final date for payment, they are legally obliged to pay the full notified sum. This applies even if they dispute the amount. Their remedy is to overpay now and recover via adjudication or at final account.
What to do when a pay-less notice arrives
"Pay-when-paid" clauses. The HGCRA makes most pay-when-paid clauses in subcontracts unenforceable. A main contractor cannot withhold your payment simply because their client hasn't paid them — with one narrow exception: if the client is insolvent. If a main contractor tries to rely on pay-when-paid, challenge it.
Adjudication: Your Right to a Fast Decision
Adjudication is a legal right, created by the HGCRA 1996, to refer a dispute to an independent adjudicator and get a binding decision within 28 days. It was designed specifically so that small and medium subcontractors could recover money owed without the time and cost of litigation.
It is genuinely fast, genuinely binding, and — compared to court — genuinely accessible for a scaffolding contractor.
Litigation / Arbitration
The old way
- 12–36 months to a hearing
- Legal costs potentially exceeding the claim value
- Requires specialist solicitors and barristers
- Public process — damages your relationship and reputation
- Often not worth it below £100,000
Adjudication
The Act's solution
- Decision within 28 days (can extend to 42 days by consent)
- Costs typically £5,000–£25,000 total for a straightforward case
- Can be conducted by a quantity surveyor or construction lawyer
- Private and relatively quick to resolve
- Binding immediately — enforcement through the courts if not paid
When should you use it?
- The main contractor has failed to pay the notified sum without a valid pay-less notice
- A pay-less notice has been issued for amounts you strongly dispute and the sum is significant
- A variation claim has been rejected without proper grounds
- Your extension of time claim has been refused and you're facing LAD deductions you believe are wrong
- The final account is deadlocked and you have good evidence on your side
How to Refer
You issue a Notice of Adjudication to the main contractor, setting out the dispute and the remedy you're seeking. An adjudicator is then nominated (typically by the RICS, CIOB, or TeCSA within a few days). You submit your Referral Notice — your full written case — within 7 days. The other party has 7 days to respond. The adjudicator decides within 28 days of the Referral.
Adjudication is a right, not a threat. Many main contractors rely on subcontractors not knowing about adjudication, or being too intimidated to use it. The moment you serve a Notice of Adjudication, the dynamic of a dispute often changes — because the main contractor knows a decision is coming in 28 days regardless of what they do next.
JCT 2024 and the 8-week window
Under JCT 2024 contracts, the Contract Administrator has 8 weeks from the date of a contractor's claim submission to respond with a decision. This tightened timeline (reduced from the more open-ended predecessor provisions) means delay claims and extension of time applications submitted under JCT 2024 should receive a formal response within that period. If they don't, or if the decision is wrong, adjudication is the appropriate remedy.
Suspension of Work
Under the HGCRA 1996, if a payment is not made by the final date and no valid pay-less notice has been issued, you have the right to suspend work. This is one of the most powerful tools available to a subcontractor — and one of the least used.
Important
Do not suspend without taking legal advice first on your specific subcontract terms. An invalid suspension — for example, if there was a valid pay-less notice you didn't see, or if your application missed the contractual date — could be treated as abandonment or repudiation, which would put you in breach. Get the facts straight before you act.
Downloads
Payment, application and dispute templates. Coming soon.
Knowledge Check
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References
Harvard-style referencing applies throughout the course.
NASC Guidance
- NASC (2022) CG9:22 Payment Under the Construction Act.
- NASC (2018) CG19:18 Liquidated and Ascertained Damages.
- NASC (2022) CG7:17 Late Payment of Commercial Debts.
Standard Forms of Contract
- Joint Contracts Tribunal (2016) Standard Building Sub-Contract Conditions (SBCSub/C 2016). London: Sweet & Maxwell.
- NEC (2017) NEC4 Engineering and Construction Subcontract (ECS). London: ICE Publishing.
- Construction Industry Publications Ltd (2018) Scaffolding Contract 2018.
Legislation
- Housing Grants, Construction and Regeneration Act 1996. c.53, ss.108, 109, 110, 110A, 111, 112, 113. Available at: legislation.gov.uk/ukpga/1996/53.
- Local Democracy, Economic Development and Construction Act 2009. c.20, Part 8. Available at: legislation.gov.uk/ukpga/2009/20.
- Late Payment of Commercial Debts (Interest) Act 1998. c.20. Available at: legislation.gov.uk/ukpga/1998/20.
- Scheme for Construction Contracts (England and Wales) Regulations 1998. SI 1998/649. Available at: legislation.gov.uk/uksi/1998/649.
RICS
- Royal Institution of Chartered Surveyors (current edn) Conflict Avoidance, Management and Dispute Resolution in Construction. London: RICS.
- Royal Institution of Chartered Surveyors (current edn) Final Account Procedures. London: RICS.
CIOB
- Chartered Institute of Building (2018) Guide to Good Practice in the Management of Time in Major Projects. 2nd edn. Chichester: Wiley-Blackwell.
Industry Reports and Research
- Adjudication Reporting Centre (annual) Construction Adjudication Report. Glasgow: Adjudication Society / King's College London.
- Building Cost Information Service (2025) UK Construction Insolvency Statistics. London: BCIS / RICS.
Case Law
- S&T (UK) Ltd v Grove Developments Ltd [2018] EWCA Civ 2448 (on payment notice and true-value adjudication).
- Bresco Electrical Services Ltd (in liquidation) v Michael J Lonsdale (Electrical) Ltd [2020] UKSC 25 (on adjudication for insolvent companies).
- M Davenport Builders Ltd v Greer [2019] EWHC 318 (TCC) (on payer obligation to pay-first before true-value adjudication).