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Roofers Insurance
Roofing work involves a range of risks, from working at height and carrying out repairs to using specialist tools and equipment on domestic and commercial sites. Having appropriate Roofers Insurance in place can help protect your business against claims, accidents, property damage and other unexpected events.
At 1st Choice Insurance, we help self-employed roofers, roofing contractors, subcontractors and established roofing businesses arrange insurance tailored to the work they carry out. Whether you specialise in flat roofing, pitched roofing, slate, tiles, lead work or commercial roofing, we can help you explore suitable cover options for your business.
Your insurance requirements will depend on factors such as the type of roofing work you undertake, where you work, whether you employ staff and the equipment you use. Our experienced team can discuss your business and help you identify the types of cover that may be appropriate.
Get a Roofers Insurance Quote
Looking for Roofing Contractor Insurance? Speak to our team about your requirements and the cover available for your business.
Call 03301 081607 or complete our quote form below.
What Is Roofers Insurance?
Roofers Insurance is a type of commercial insurance designed around the risks associated with roofing and related contracting work.
Roofing contractors can work across a variety of environments, from residential properties and new-build developments to commercial premises and construction sites. The risks involved can vary depending on the work being carried out, the equipment used and whether other contractors or members of the public are present.
A roofing insurance policy can be arranged to include different types of cover depending on your business requirements.
These may include:
- Public Liability Insurance – cover for claims involving third-party injury or damage to third-party property arising from your business activities.
- Employers’ Liability Insurance – required in most circumstances if you employ staff.
- Tools and Equipment Insurance – cover for tools and equipment against insured events such as theft or accidental damage, subject to the policy terms.
- Contract Works Insurance – cover for certain damage to work in progress, depending on the policy selected.
- Hired-in Plant Insurance – protection for equipment you hire for your roofing projects, subject to the terms and conditions.
- Commercial Vehicle Insurance – cover for vans and other vehicles used as part of your roofing business.
- Legal Expenses Insurance – cover that may assist with certain legal costs and disputes, depending on the policy.
Not every business will require every type of cover. We can discuss your activities and help you consider the options available.
Who Needs Roofing Contractor Insurance?
Roofers insurance can be suitable for a wide range of businesses and individuals working within the roofing trade, including:
- Self-employed roofers
- Sole traders
- Roofing contractors
- Roofing subcontractors
- Limited companies
- Domestic roofing contractors
- Commercial roofing contractors
- Industrial roofing businesses
- Flat roofing contractors
- Pitched roofing contractors
- Slate and tile roofers
- Lead roofing contractors
- Green roofing contractors
- Roof repair and maintenance businesses
If you work across domestic, commercial or construction sites, the insurance you need can depend on the nature of your work and the risks involved.
If you employ staff, Employers’ Liability Insurance will generally be a legal requirement. You may also find that clients or principal contractors require evidence of specific insurance covers and limits before allowing you to start work.
What Does Roofers Insurance Cover?
There is no single insurance package that is suitable for every roofing business. The cover available can be tailored around your occupation, activities and circumstances.
Public Liability Insurance for Roofers
Public liability insurance can protect your business against certain claims made by third parties for injury or damage to their property arising from your business activities.
For roofers, this can be particularly relevant when working at customers’ properties, construction sites or other locations where members of the public and other contractors may be present.
For example, accidental damage to a customer’s property or an injury involving a third party could result in a claim against your business. Public liability insurance can provide cover for eligible claims, subject to the policy terms, conditions and exclusions.
Many clients and contractors also request evidence of public liability insurance before work begins.
Employers’ Liability Insurance for Roofing Businesses
If you employ people, Employers’ Liability Insurance is generally required by law in the UK.
Roofing can involve physically demanding work and working at height, so appropriate employers’ liability cover is an important consideration for businesses with employees.
The policy can provide protection against certain claims made by employees who suffer injury or illness as a result of their employment.
Tools and Equipment Insurance
Roofers rely on a range of tools and equipment every day, including power tools, ladders and specialist roofing equipment.
Tools and equipment cover can help protect these business assets against insured events such as theft or accidental damage, depending on the policy selected.
Cover can potentially be arranged for equipment kept at your premises, transported between jobs or used on-site, subject to the insurer’s terms and conditions.
Contract Works Insurance
Roofing projects can involve materials and work that remain unfinished for a period of time. Contract works insurance can provide cover for certain insured damage to work in progress before a project is completed.
Depending on the policy, this may include risks such as fire, storm, theft or accidental damage.
The appropriate cover will depend on the nature and value of the work you undertake, so it’s important to discuss your projects and contractual responsibilities when arranging your policy.
Hired-in Plant and Machinery Insurance
If you hire equipment or machinery for particular roofing projects, you may have responsibility for it while it is in your possession.
Hired-in plant insurance can provide cover for certain loss or damage to hired equipment, subject to the policy terms.
This can be useful for contractors who regularly hire equipment rather than owning everything they use.
Commercial Vehicle Insurance
Many roofing businesses rely on vans to transport tools, materials and equipment between jobs.
Commercial vehicle insurance can be arranged for vehicles used in connection with your business, with different levels of cover available depending on your requirements.
If you regularly carry tools or materials, additional considerations such as Goods in Transit Insurance may also be relevant.
Legal Expenses Insurance
Business disputes can arise for a variety of reasons, including contractual disagreements, employment matters and certain legal claims.
Legal expenses insurance may provide support towards eligible legal costs, depending on the policy selected and the circumstances of the dispute.
Benefits of Having Appropriate Roofers Insurance
Protection Against Eligible Claims
Insurance can provide financial protection against certain claims arising from your business activities, helping to reduce the potential financial impact of unexpected incidents.
Cover Tailored to Your Trade
Your insurance can be structured around the type of roofing work you undertake, whether you’re a sole trader, subcontractor or larger contractor.
Protection for Business Equipment
Tools and equipment can represent a significant investment for roofing businesses. Appropriate cover can help protect these assets against specified risks.
Support for Contract Requirements
Some customers and contractors require evidence of insurance before work starts. Having appropriate cover in place can help you meet these requirements where applicable.
Cover for Different Business Activities
Roofing businesses often carry out more than one type of work. Your policy can be discussed around the activities you undertake to help ensure the cover is appropriate for your business.
Ongoing Support
Your business can change over time. If your activities, employees, vehicles or contracts change, it’s important to review your insurance requirements. Our team can help you understand whether your cover needs updating.
Types of Roofing Work We Can Help Insure
Roofing businesses undertake a wide variety of work, and insurance requirements can vary between occupations.
We can discuss insurance for businesses involved in areas such as:
- Flat roofing
- Pitched roofing
- Slate roofing
- Tile roofing
- Lead roofing
- Roof repairs
- Roof maintenance
- Commercial roofing
- Industrial roofing
- Domestic roofing
- Roof installation
- Roof replacement
- Green roofing
- Roof waterproofing
- Roofing and building contractors
If your roofing activities are more unusual or you undertake several different types of work, speak to our team so we can understand exactly what your business does.
Roofing Insurance for Self-Employed Roofers
If you’re a self-employed roofer or sole trader, your insurance requirements may differ from those of a larger roofing company with employees and multiple contracts.
You may need to consider public liability insurance, tools cover, commercial vehicle insurance and other options depending on your work.
We can talk through your business activities and help you understand the cover options available, whether you work directly for homeowners, subcontract to larger contractors or undertake commercial projects.
Roofing Insurance for Contractors and Subcontractors
Roofing contractors and subcontractors may be required to hold specific insurance by the companies they work for.
For example, a principal contractor may request evidence of public liability insurance with a particular level of cover before allowing you onto a site.
The exact requirements will depend on your contract and the work involved. When arranging your insurance, it’s important to provide accurate information about your activities and any contractual requirements so the policy can be arranged appropriately.
Frequently Asked Questions About Roofers Insurance
Do roofers need insurance?
There is no single insurance policy that every roofer is legally required to have. However, some types of cover may be legally required or contractually required depending on your circumstances. For example, employers’ liability insurance is generally required if you employ staff, subject to certain exemptions.
Public liability insurance is also commonly requested by customers and contractors and can provide important protection against eligible third-party claims.
What insurance does a self-employed roofer need?
The insurance requirements of a self-employed roofer depend on the work they carry out. Public liability, tools and equipment and commercial vehicle insurance may all be relevant, while additional covers can be considered depending on the nature of the business.
Is employers’ liability insurance required for roofers?
If you employ staff, employers’ liability insurance is generally a legal requirement in the UK. You should ensure you understand your legal obligations when employing people.
Does public liability insurance cover roofers?
Public liability insurance can cover eligible claims involving third-party injury or property damage arising from your business activities. The exact cover will depend on the policy terms, conditions and exclusions.
Can roofing subcontractors get insurance?
Insurance can be arranged for roofing subcontractors and self-employed contractors. The cover required will depend on your activities and any insurance requirements set by the contractors you work for.
Does roofers insurance cover tools?
Tools and equipment cover can be included or arranged separately, depending on the policy. Cover may protect against specified events such as theft or accidental damage, subject to the policy terms.
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