How does insurance for roofers work?
Comprehensive cover for those working in the roofing trade
As a roofer you might well work on commercial and domestic properties, or both – building, maintaining and repairing roofs. We take the time to get to know you and your business, enabling us to put together a package that can cover you for all manner of risks. Obtaining the right insurance package for a roofing specialist can be difficult, which is why we’ve put together a package to help save you time and money. The work you do means you are exposed to many risks for instance; working at height, using heat and using sharp tools which can all pose a risk to you or another person. The Insurance Octopus will look to help you manage these risks with a bespoke roofer’s insurance package.
Our comprehensive business insurance policies are designed to allow you to add, remove, increase or decrease all areas of the policy. You will be able to tailor your low cost roofers insurance to the way you want it. All the essential cover you need in one business insurance policy.
What your roofers insurance policy includes
Public Liability cover for roofers
Public Liability cover protects you if a customers or a member of the public is injured, or their property is damaged. Public liability insurance protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request.
Employers Liability cover
Employers Liability insurance cover is required by law if you have one or more employees. Employers Liability cover, is standard at £10m and will protect you as the employer against claims from your staff should whilst working for you.
All Risk insurance cover
All Risk insurance covers your possessions away from your business premises or home such as a laptop, tools, mobile phone.
Working at height and with heat
Working at height and with heat for some standard trade insurance policies there are limits on the height you can work at or the amount of heat allowed. We will work with you to create a suitable level of cover.
Why you need roofers insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities, full tool and equipment cover. You can also add additional covers and we will endeavour to help you tailor your business insurance policy to the needs of your business.
There are many risks associated with being in roofing trade, and there are areas of risk that you may need to consider when looking for business insurance.
In addition to our standard roofer’s insurance package, you may need a tailored policy to cover the specific work your business carries out. Remember you can specify such areas, for example working up to 50 meters in height or over 75% of your work could be using heat for example. Let The Insurance Octopus manage these risks with a bespoke roofer’s insurance package tailored to your very specific and exact needs.
Specialists insurance for roofers
One of our tradesman insurance specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need. Trade insurance options are available via our panel of UK brokers covering you for sector specific situations as required.
Policy documents sent same day
We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to our specialists today for a quote.
Why choose The Insurance Octopus for Roofers Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Roofers Insurance FAQ's
Get the answers you're looking for
What level of public liability cover should I buy?
Any construction work to do with roofing is relatively high-risk, not only to the workers but to the properties, clients and the public. Because of this, it is recommended that a high-level public liability insurance is purchased, in order to be able to protect roofing companies from every possible scenario. From common cases such as a roof tile falling on a car and damaging it, to accidents that may injure workers or members of the public, a high-level public liability insurance will have you covered no matter the problem.
Can I spread the cost of my insurance?
Of course, we offer the option of paying for your roofer insurance via direct debit, allowing you to spread the payments across a number of months making the cover all the more affordable.
Do I need personal accident & sickness insurance?
While not a legal requirement personal accident & sickness insurance will help you in the event of an accident by paying a weekly cash benefit if you’re unable to work temporarily from an injury, as well as a lump-sum payment if you’re rendered unable to work on a permanent basis. Giving you that extra bit of help should you for example suffer from a fall from height.
How insurance for roofers works
Examples of Roofers Insurance in action
Roofer's Hammer Does Property Damage
A roofer is installing new tiles on a rooftop when he inadvertently drops his hammer. It slides down the slate and tumbles off the roof, landing on the windscreen of the homeowner's car in the driveway. The customer's car insurance covers the cost of replacing the windscreen, but they turn to the roofer to cover the expense. Public liability insurance covers the damage, saving the roofer from having to personally foot the bill.