Roofer Insurance

Most roofers need public liability. Add employers' liability if you have staff, optional tool cover for equipment, and professional indemnity if you give advice or design work.

Scaffolding on the same job may need separate cover. See scaffolding insurance.

It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.

If your work includes advice, plans, specifications or design, professional indemnity protects you if a client suffers financial loss because of an error in your work.

Public liability for roofer starts from £349.95 a year, including Insurance Premium Tax, on our site. £349.95 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £32.46 a month, subject to eligibility. Paying in full costs less.

It is not a typical package and most policies cost more.

Why is roofers insurance important?

Roofing insurance is crucial for roofing contractors, providing essential protection against the unique risks inherent in roofing work.

Risks such as accidents on high roofs, property damage during operations, and other unforeseen events in this high-risk trade necessitate comprehensive insurance. Such coverage offers financial security, mitigating liabilities, and safeguarding both equipment and employees.

• Roofing public liability insurance (up to £10 million)
• Employers' liability insurance
• Personal accident cover
• Tool and equipment cover
• Legal expenses cover
• On-site equipment cover
• Materials and stock cover

• Expertise in roofers insurance
• Customisable policies to suit specific roofing needs
• Competitive quotes
• Over 30 years of industry experience
• Dedicated UK-based insurance professionals
• Access to a 24-hour emergency helpline

For personalised advice and information on roofing insurance, call our experienced advisors at 02071 185247.

The following factors can affect the cost of roofers insurance:

• Type of Roofing Services: The specific roofing services you provide influence the cost. Roofing jobs for commercial properties generally carry higher risks and therefore, higher insurance costs compared to residential roofing.
• Business Size and Revenue: The size of your roofing business and its annual revenue can significantly impact insurance premiums. Larger businesses with more employees or higher revenues usually face higher costs due to greater liability exposures.
• Location of Business: The geographical location of your roofing business affects insurance costs. High-risk areas, prone to extreme weather or with higher crime rates, may see increased insurance premiums.
• Insurance Policy Details: The specifics of your insurance policy, such as coverage limits and deductibles, are key factors in determining the cost. Tailoring these to suit your business needs can help manage expenses.
• Claims History: A history of insurance claims can lead to higher premiums. Roofers with a clean claims record are more likely to benefit from lower insurance costs.
• Safety Measures and Best Practices: Implementing effective safety measures and adhering to industry best practices can lower the risk profile of your business, potentially leading to reduced insurance costs.