As a roofer there are multiple insurance policies you should be considering. It can be difficult knowing exactly what cover you need which is why we provide specialised advice to help you find the roofers insurance policy.
Why choose us?
- Experts in the industry
- Easy claims process with support
- Cover for up to £10 Million Public & Product Liability
- Wide Market Access
- Specialist scheme access with additional benefits including unlimited height, defective workmanship & Professional Indemnity Insurance
Why do I need roofer’s insurance?
There are many risks associated with this line of work which is why it’s essential that you choose the right policy and provider to suit your needs. As a rule, there isn’t an individual roofers insurance policy. Instead, your cover will combine a number of different policies (such as tools, contractors all risks, professional indemnity, public liability insurance and employer’s liability insurance) to ensure your business is protected.
What should your policy cover?
There is no ‘one size fits all’ when choosing your roofers insurance policy. The types and amount of cover you’ll need will depend on your business, the types of projects you work on, and your budget. There are a few policies that are recommended for all roofers, including public liability insurance which will be relevant for all roofers. If you use heating methods or complete projects from heights above 15m then you may need additional or a more bespoke policy.
Roofers Insurance FAQs
Legally, the short answer is no but this is an expensive risk to take. As a roofer, you’ll be working with third party properties and in close proximity to members of the public. This line of work can be very high-risk so it’s a good idea to get public liability insurance for your roofing business.
If an employee makes a claim against you or your business then no, public liability insurance won’t cover this. If you have employees, it is required by law to have employer’s liability insurance.
After clients, employees are the lifeblood of a business. Imagine some of your employees were seriously injured or otherwise unable to work.
As an employer, you’re legally responsible for the health and safety of your employees, and in this view, an appropriate insurance policy would help keep your business buoyant.
Employer’s liability insurance covers the cost of damages and even pays a percentage of the employee’s wages. In the event of the death of an employee, by the finding of negligence, this insurance policy pays a certain compensation or settlement to the deceased’s family. You are also protected from third-party lawsuits relating to an employee injured in the line of work.
Employers’ liability: what the law says
The law says that if you employ at least one person:
- You must have employers’ liability insurance (sometimes called ‘EL insurance’).
- Your policy must cover you for at least £5 million.
- Your insurance must be with an authorised insurer
Employers’ liability insurance will not cover (not limited to):
- Deliberate acts or omissions that lead to an employee’s injury or illness.
- Fines or penalties received under corporate manslaughter or health and safety at work laws.
This is to ensure there is a deterrent to help prevent avoidable injury in the workplace, for example, injury caused by negligence.
Yes, but it’s vital that you inform us about this as early as possible to ensure it is disclosed before the insurance policy is made valid, otherwise you won’t be covered. It is also important to note that cover for the use of heating methods is generally subject to proper handling/usage or the equipment. For more information, please speak to our experts.