Roofers Liability Insurance

At Construction Insure we look after any size of roofing company. We don’t just insure large contractors with high turnovers, but also the smaller companies with a couple of employees and even ‘one man bands’. Whether you are working on a residential flat roof with heat, or you have a roofing contract on cathedrals, commercial buildings above 100m, or on a £20 million residential property development, we have the right access to all A rated insurers to provide you with the correct cover.

Why do you need Roofers Liability Insurance?

You already know that your job is a high-risk occupation. But did you know that being a roofer is officially one of the top ten most dangerous jobs in the world? Falls from height are responsible for 35% of major injuries in the construction industry. And, unfortunately, 25% of all employee fatalities, after a fall from height, are roofers. So, you need to protect yourself. But not just your physical safety. You need to protect your legal and financial exposure too. That’s where Construction Insure come in. We specialise in finding the right insurance cover at the most competitive premium for the construction industry. And for high risk occupations like yours.

How does Roofers Liability Insurance help you?

As you’d expect, the size of your business makes some difference to what kind of insurance you need to think about. But there are policies that all roofers should have in place. For example, you’ll need to have Public Liability Insurance, which would protect you up to £5 million if there’s an accident that injures a member of the public. If you employ staff or sub-contractors you need to insure them too. Sub-contractors, actually count as your employees if you pay them 20% if their overall income.

A high-risk profession like yours means it’s vital that adhere to Health & Safety guidelines. Not only to keep your staff safe, but to keep your policies safe too. If you don’t follow Health & Safety rules, you could have your insurance invalidated, which means that a claim against you could ruin your business. But it’s our job to make sure you’re fully protected.

Need Insurance? Get in touch today!

Whatever your roofers insurance requirements, please get in touch today for a free no obligation quotation.

GETTING THE RIGHT ROOFERS INSURANCE

What do you need to know about getting the right Liability Insurance?

You need to provide your insurer with accurate and up-to-date information. If your insurer discovers any discrepancies, they may void your policy. So, honesty is vital. We’ll ask you the right questions to make sure you are fully covered. For instance: Are you only tiling and slating or are you involved in other roofing activities such as industrial sheeting and cladding? What height are you working to? Again, are you fitting felt or flat? Are you working with heat, if so what percentage? In accordance with this are you using any oxy-acetylene, as this is extremely hazardous. Are you likely to encounter asbestos while working on an older property? It’s worth bearing in mind that it’s estimated that 50% of households in the UK still retain asbestos-containing materials.


What else do you need to think about?

Thinking about what else can go wrong on a roofing project isn’t comfortable, but it is necessary. For instance, what would happen if a tool should slip off the roof? You need to be covered for damage to property underneath. This could be a parked vehicle, building materials - or even a person. If you’re using a blow-torch, a moment of negligence can result in extensive fire damage to the roof, or even the entire property development. You’ll need to be covered for health risks to your staff and for the removal of hazardous materials. A complete liability insurance (including contractors all risk) will cover you for all these eventualities. The more you consider the risks of your occupation, the more you can realise the necessity to be protected against them, as well the importance of a broker you can trust.


Standard and Optional Insurance Cover

Some of the main insurance types we offer in the category of Roofers Insurance include, Public & Products Liability: £5 million, including damage to property being worked on, Employers Liability: £10 million and Legal Expenses: £100,000. Optional Cover, which can be included in your policy covers Contractors ‘All Risks’ in relation to contract works, your own and hired plant and employee tools, defective workmanship and products efficacy.

How do you get the right advice?

Getting the right advice starts with a phone call. Please call us on 020 3958 6868 so we can talk to you about what you need. Then we can get you the insurance cover that’s right for you. We have the resources and experience to make sure your company has the correct roofing policies in place. Construction Insure will ease your worries about leaving your income and livelihood unprotected.

WHAT OUR CLIENTS SAY

" Comparing like with like plus some lower excesses you have managed to save me in excess of £1500 or approximately 15% on my previous insurer. "

- Hew Stevenson, March 2018

" We found you to be more thorough, efficient and reasonably priced than our existing insurer. We would not hesitate in recommending you to anyone."

- Zena Nairi LLB (Hons) June 2018