Roofers Insurance

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.