What insurance do roofers need?
Being a roofer is one of the most dangerous jobs you can do. According to Government figures, nearly 20% of all construction injuries during 2018/19 involved falls from a height. If you’re a roofer, you’ll want to have the right insurance in place.
As a roofer, there are several insurance policies you should be looking at. These include public liability insurance and employers’ liability cover, plus tools insurance and contract works insurance.
You might also be interested in:
Van insurance to cover your commercial vehicle.
If you run your business from home, home office insurance might be worth considering.
Business interruption insurance can help compensate you for loss of profits if an unexpected event stops your business from running. But please note, it’s unlikely that you’ll be covered for any business interruptions that are caused by the coronavirus pandemic.
Frequently asked questions
What is roofers public liability cover?
Public liability insurance can protect you if a member of the public gets injured because of your work. For example, if someone trips over your equipment, or a tile comes loose and hits a client or damages their property, you’ll be covered for the cost of legal fees, as well as any compensation that might be due. Hopefully you’ll never have to claim on your insurance, but having it in place can give you peace of mind.
What is employers’ liability cover?
Employers’ liability insurance could cover you if one of your employees becomes ill or is injured as a result of working for you.
If you employ one or more people or are a limited company with multiple directors, it’s a legal requirement to have cover. If you’re not a limited company, it’s not a legal requirement to have employers’ liability insurance if the employees are immediate family members, though if a policy is in place it would still cover immediate family members working for you.
What happens if I don’t have employers’ liability insurance?
If you employ someone and don’t have employers’ liability insurance in place, the Government could fine you £2,500 for every day that you’re not properly insured. And if you don’t show your employers’ liability insurance certificate to an inspector when they ask, you could be fined an additional £1,000.
What else do I need to know?
Your employers’ liability insurance ought to cover you for at least £5 million and needs to come from an authorised insurance provider.
What if I’m self-employed?
What other types of business insurance would a roofer need?
As a roofer, tools insurance could be particularly useful as you’re likely to work offsite. Tools insurance can cover you if your equipment is lost, damaged or stolen. It’s easy to forget just how much your tools are worth. But if you had to replace them all at once, you could end up seriously out of pocket. Without your tools you can’t work. Having insurance in place so you can replace them quickly could be vital.
Contract works insurance covers works in progress against fire, flood, storms, malicious damage and theft. It’s useful if you take on big projects.
For example, you might be working on a major extension and a storm damages the roof. You could be expected to do all the work again, for no extra pay. Contract works insurance can cover your time, as well as any materials and fittings.
How do I find a good deal for roofers insurance?
As a business owner, you've got better ways to spend your time than sorting out insurance. But organising cover needn’t be complicated and time consuming. We’re here to take the hard work out of comparing roofer insurance.
We’ll ask you some simple questions about your business, such as what tools you own and how many people you employ, so we can get you tailor-made quotes.
Whether you’re a one-man band or a big firm, we have insurance providers that can provide your cover.
What won’t roofers insurance cover?
Exactly what your roofers insurance pays out for depends on your level of cover. However, you can expect to see a few exclusions, such as:
- deliberate acts leading to damage or injury
- injuries occurring while you’re out and about
- employees working off-shore
But always read your policy documents carefully to see what is and isn’t included.
How much does roofers insurance cost?
How much you pay for your roofers insurance will depend on all sorts of things, including:
The level of cover you opt for
How much excess you pay
The type of buildings you’re working on
What do I need to get a quote?
When you start a roofers insurance quote, it’ll help to have the following to hand:
- the value of your tools and other work gear
- what level of cover you’re looking for
- details of your last insurance claim
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Other business insurance that roofers may be interested in…
|Public liability insurance
Get cover against claims if someone is injured or property damaged as a result or your work.
You are legally required to have this insurance even if you employ just one person.
Insurance to help compensate you for loss of profits if your business is unable to operate for a period for some unexpected reason.
Insurance designed to help your business carry on if something happens to you or the key people in your business.
A guide to LGV insurance for business.
Protect your business premises.
|Business contents insurance
Protect your business equipment.
|Home office insurance
The insurance you need when you run your business from your home.