Roofers' Insurance
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Rated 4.8 out of 5| 4500+ reviewsWhat is roofers insurance?
Roofers’ insurance is a tailored trades insurance policy that covers the specific risks your business could potentially face each day. From falling tiles and protection against third-party injuries and property damage, to protection when you’re working at height and tool theft. Cover is flexible, meaning you only pay for protection that’s relevant to your roofing business.
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Do roofers need insurance?
Although obtaining public liability insurance isn’t a legal requirement, it is commonly expected by homeowners, developers and main contractors. Many clients won’t allow work to start without proof of adequate cover. However, if you employ staff, employers’ liability insurance is legally required in the UK. Without proper insurance in place, a single claim, such as water damage, injury or a dropped tile, could result in significant legal and compensation costs. Roofers’ insurance could help cover the costs, prevent financial strain on your personal finances and enable you to focus on your work.
Public liability insurance for roofers
Public liability insurance for roofers could protect your business against claims of third-party injury or property damage, that occurred as a result of you carrying out your work. For example, a tile slips off the roof and injures a member of the public walking past. Public liability insurance could help cover associated legal fees if a claim was made against your business.
What does roofers’ insurance cover?
Roofers’ insurance can be tailored to suit the type of work you undertake. Common cover options include:
Contractors combined insurance
Contractors combined insurance brings key covers together in one policy, making it a practical option for roofing contractors handling multiple jobs. It includes public liability insurance and employers’ liability in one insurance policy.
Contractors all risks insurance
Contractors all risks insurance covers damage to work in progress, roofing materials and, in some cases, tools or equipment. If materials are damaged by storms, fire, vandalism or theft while on site, this cover can help prevent costly delays and losses.
Professional indemnity insurance
Professional indemnity insurance is a worthwhile consideration if you provide specifications, recommendations or technical advice as part of your work. It could protect your business against claims of negligence, loss of client data and defamation.
Directors’ & officers’ (D&O) insurance
Directors and officers’ insurance protects business directors and senior managers if they are personally accused of mismanagement, breaches of duty or regulatory failings.
Legal expenses insurance
Legal expenses insurance can help cover the cost of legal support for issues such as contract disputes, employment claims or HMRC investigations. It gives you access to expert advice without the burden of unexpected legal bills.
Occupational personal accident insurance
Occupational personal accident insurance cover is designed to provide a financial payout if you’re injured at work and leaves you unable to work. This can be particularly valuable for selfemployed roofers who don’t have sick pay or alternative income during recovery.
Material damage cover
Material damage insurance can protect your roofing materials, tools and equipment against loss or damage caused by fire, theft or accidental damage, helping you replace essential items quickly and keep work moving.
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