Working on roofs can be seen as a higher risk trade and that’s why working with a specialist construction insurance company is of benefit. Whatever the size of your roofing company, whether you are a large contractor or an independent or smaller company, we can help.
We work with roofers that work on all kinds of property from those that specialise in listed buildings, churches and cathedrals. Those working on predominantly commercial buildings, residential developments and those looking after individual loft conversion projects. Because we have access to all A rated insurers across the UK, we can ensure you get the right cover for your company and type of project.
What Type of Roofers Insurance do I Need?
Roofers Liability Insurance is the bare minimum of cover you should be considering. Being a roofer is one of the most dangerous trades and responsible for 35% of major injuries in the construction industry. That’s why it’s important to protect yourself and any staff working on roofing projects. You can do everything possible to try and prevent any accidents from occurring, but unfortunately as the statistic shows, they do happen and in those circumstances you need to be protected legally and financially too.
Roofers Insurance Options:
We always recommend Roofers Public and Products Liability Insurance, with £5 million cover which includes damage to the property being working on.
This insurance is an absolute must and in many circumstances are essential to being awarded any contracts for work on larger projects.
Optional Insurances include Contractors All Risk in relation to contract works, plant and machinery, tools, defective workmanship and products efficacy.
Employers Liability Insurance with £10 million cover and £100,000 legal expenses.
Be aware that even if you do not employ staff directly, if you sub-contract work and it pays in excess of 20% or their total income, them from an insurance point of view, they are treated as employees.
What to Tell Your Insurer
Of course, as a high-risk profession, any decent roofing company such as yourself will be doing everything they can to ensure they adhere to Health & Safety guidelines. This not only helps to reduce the risk of any accidents happening, but also keeps your insurance valid. For those companies that do not follow the current guidelines around Health & Safety, they may find that any insurance in invalidated. you could ruin your business.
As well as sticking to legislation and guidelines as above, you also need to make sure that any information you provide your insurer is accurate and up to date. If you do not, then you risk your polity being voided.
Therefore, honesty is vital, as an example if you are tiling and slating a roof, the insurance cover may well be different to a company that is involved in cladding. What height are you working at? The risks working on a 2-story residential dwelling is very different to working on a 20-story block of flats. If you are likely to encounter asbestos then you will need adequate cover if this is something that you deal with yourself as oppose to bringing in a specialist contractor.
So, you can see, there are many variables to consider and that’s why the more information you can provide, the more accurate the level of cover and the more unlikely it is that you will unwittingly void any insurance you do hold.
Getting the right advice starts with calling us on 020 3958 6868 so we can discuss your requirements. Then we can get you the roofers insurance cover that’s right for you.