Roofers Insurance

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What is Roofers Insurance?

Roofers insurance, also known as ‘roofing insurance’ or ‘roofing contractor insurance’, is a type of insurance cover designed to protect roofing and their businesses from various risks and liabilities associated with their work.

Roofing is a high-risk profession due to the potential for accidents, property damage, and other liabilities, so having the right insurance cover is essential for roofing contractors.

We work with a number of specialist brokers who will be able to cover you for risks such as working from height.

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We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

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What our Comparison Expert Says

‘Roofing and being a roofer is a high-risk trade. Although roofers are typically skilled tradespeople, the risk associated with their work remains high. Suitable insurance cover is always advised so should the worse happen, you are protected against that loss!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

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We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

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You’ll receive multiple quotes tailored specifically to your own insurance needs.

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Once you have all the quotes you’d like, you pick the right policy for you at the best price.

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What Is Covered By Roofers Insurance?

Roofers insurance typically refers to a business insurance policy designed specifically for roofing contractors. Given the unique risks associated with the roofing industry, this specialized insurance provides coverage for various exposures that roofers might encounter.

Something like general builders insurance is unlikely to be enough due to the increased height work of being a roofer.

General Liability Insurance

This coverage protects against third-party claims resulting from bodily injury, property damage, or personal and advertising injury that could arise from the roofing operations.

Employee Compensation

For roofing businesses with employees, workers’ compensation is often mandatory in many jurisdictions. It covers medical expenses, lost wages, and rehabilitation costs for employees who get injured or fall sick due to work-related activities. It also provides death benefits for the families of employees who die due to work-related incidents.

Commercial Van Insurance

Roofing contractors often use trucks or vans to transport equipment, materials, and workers. You can often insure these vehicles as part of your roofing policy.

Tools & Equipment Cover

This cover is for the protection of tools and equipment, which can be especially important for roofers given the specialized and sometimes expensive equipment they use.

If you are a carpenter installing trusses, you will likely have quite a bit of expensive equipment to make and instal these.

Property Insurance

If the roofing business owns or rents a physical location, property insurance can cover damages to the building and its contents due to covered perils like fire, theft, or vandalism.

Installation Floater

This provides cover for materials from the time they are transported to the job site until the installation work is completed. It covers materials in transit, at temporary locations, or being used in the construction process.

Umbrella or Excess Liability

This extends the limits of the general liability and other underlying liability policies, providing an additional layer of protection against large claims.

Surety Bonds

While not insurance in the traditional sense, surety bonds are often required for roofing contractors by project owners or governmental entities. They provide a financial guarantee that the contractor will fulfil their contractual obligations.

When shopping for roofers insurance, it’s important for contractors to work with an agent or broker familiar with the unique risks of the roofing industry. Coverage needs might vary based on the size of the business, the types of jobs undertaken, the geographic location, and other factors.

How Much Does Roofers Insurance Cost?

Like all insurance, the cost of your roofers insurance policy will be determined by a number of factors. These will include:

The properties you work on: If you work on large, expensive or commercial properties. It is likely the cost of you policy will be a bit more. This is because of the greater risk involved to the buildings you work on. Working on small residential properties will pose a smaller risk.
Claims History: Like all insurance policies, a poor claims history will result in a greater premium. It is always worth maintaining a clean claims history where possible.
Experience: Those with greater experience are likely to receive a greater no claims bonus to reflect their time served as a roofer.

Frequently Asked Questions

Can You Cover Torch Down Roofing?

Torch down involves the use of heat in order to complete roofing jobs. This includes the use of blow torches, welders, flame cutters and blow lamps. The use of an angle grinder on roofing tiles is not an example of hear work.

Adding heat related risks is something our panel of brokers can help with but it is likely to be a specialist addon.