What is Roofers Insurance?
Constructing roofs is extremely dangerous, which is why most people wouldn’t dream of doing it themselves and would hire professional roofers instead. However, just because you’re a professional doesn’t mean you are not at risk at work, which is why it is important to protect yourself with roofers’ insurance.
Roofers also do a large amount of work off-site, including creating rafters and beams, which often involves the use of hazardous tools and heavy lifting – both of which can cause harm. Whether it’s a bad back or a more serious injury, you will probably have to stop working for a certain period of time, and our roofers’ insurance can help cover the loss of income.
Here at Nova Insurance, we have spent years providing insurance policies for a range of tradespeople, so we have extensive knowledge of their day-to-day work and occupational hazards. If you want competitive prices from a company that understands your main concerns for both you and your business, make sure you get a quote by filling out our online form.
Why Do Roofers Need Insurance?
Roofing work involves many hazards that are unique to the trade. Even when safety procedures are followed correctly, accidents can still happen.
Some common risks faced by roofers include:
- A tool or material accidentally causing damage to a customer’s property
- A member of the public being injured near a work area
- An employee suffering an accident while carrying out roofing work
- Damage caused during repairs or installation work
- Loss or damage involving tools and equipment
A single claim could have a significant financial impact on a small roofing business. Insurance provides an important layer of protection, helping you deal with unexpected costs while continuing to operate your business.
How Much Does Roofers Insurance Cost?
The cost of roofers insurance depends on several factors, including:
- The type of roofing work you complete
- Your annual turnover
- The number of employees you have
- The level of cover required
- Your previous claims history
- The size and nature of your projects
Because every roofing business is different, the best way to find suitable cover is to request a personalised quote.
Why Choose Nova Insurance for Roofers Insurance?
Nova Insurance has extensive experience providing insurance solutions for tradespeople, contractors and small business owners.
We understand that roofers need straightforward insurance solutions from a provider that understands their industry.
Specialist Knowledge of Tradesman Insurance
At Nova Insurance, we understand the unique risks faced by tradespeople, including roofers and roofing contractors. Our experience in providing tradesman insurance means we can help you find cover that reflects the type of work you carry out, whether you are a self employed roofer, a small roofing business or a larger contractor.
Insurance Solutions Tailored to Your Business
Every roofing business is different, so your insurance should be based on your specific requirements. Whether you need public liability insurance, employers’ liability insurance, tools cover or additional protection for your business activities, Nova Insurance can help you explore suitable options for your needs.
Simple and Reliable Insurance Support
Arranging business insurance should be straightforward. Nova Insurance provides a simple quote process and professional support to help you understand your cover options. Our aim is to make it easier for roofers to protect their business, their customers and their future with the right insurance in place.
Contract Works Cover
The exact cover available will depend on your chosen policy, but roofers insurance can include several important areas of protection.
Public Liability Insurance for Roofers
Public liability insurance is one of the most important types of cover for roofing professionals.
Roofers often work on customer properties and in areas where members of the public may be nearby. If someone is injured or their property is damaged because of your work, you could face a compensation claim.
For example, public liability insurance may help protect your business if:
- A customer claims that your roofing work caused damage to their property
- Someone is injured as a result of your business activities
- Accidental damage occurs while completing a roofing project
Many customers, contractors and construction companies ask tradespeople to have public liability insurance before allowing work to begin.
Employers’ Liability Insurance for Roofing Businesses
If you employ staff, employers’ liability insurance is an important consideration and is legally required in most situations in the UK.
This cover helps protect your business if an employee becomes injured or unwell because of their work.
Whether you employ full time workers, part time staff or temporary employees, having suitable employers’ liability cover can help protect both your team and your business.
Tools and Equipment Cover
Roofers rely on specialist tools and equipment every day. From ladders and power tools to specialist roofing equipment, these items can represent a significant investment.
Tools cover can help protect your essential equipment against certain risks, helping you replace or repair items if they are lost, damaged or stolen, depending on the terms of your policy.
Having the right protection means you can minimise disruption and return to work as quickly as possible.
Contract Works Insurance for Roofers
Roofing projects often involve working on partially completed structures, where materials and completed work may be exposed to risks before a project is finished.
Contract works insurance can provide protection for certain types of construction work and materials while a project is underway.
This type of cover can be particularly useful for roofing contractors working on larger projects or longer term contracts.
Insurance for Different Types of Roofers
At Nova Insurance, we understand that roofing professionals work in many different areas of the trade.
Our insurance solutions can be suitable for a variety of roofing specialists, including:
Self Employed Roofers
If you work independently, having the right insurance can help protect your livelihood and reputation. A single claim could create serious financial pressure, so suitable cover is an important part of running your own business.
Roofing Contractors
Contractors managing multiple projects need insurance that reflects the scale and complexity of their work. The right policy can help provide protection when working with residential customers, commercial clients or construction companies.
Roof Repair Specialists
Small repair jobs can still carry significant risks. Accidental damage, customer complaints and liability claims can happen even during minor roofing work.
Commercial Roofers
Commercial roofing projects often involve larger sites, more people and increased responsibilities. Specialist insurance can help support businesses working on larger and more complex contracts.
Common Roofing Risks Covered by Insurance
Roofing involves more than simply working at height. Professionals may also face risks from:
Working With Heavy Materials
Roofing materials can be difficult to handle and transport. Injuries or property damage may occur during delivery, preparation or installation.
Weather Related Challenges
Roofers often work outdoors and must deal with changing weather conditions. Strong winds, rain and other environmental factors can increase the possibility of accidents or project delays.
Specialist Equipment Use
Many roofing tasks require specialist tools and equipment. Incorrect use, equipment failure or unexpected incidents can result in costly problems.
Working on Customer Properties
Every property is different. Older buildings, fragile structures and unexpected site conditions can create additional challenges during roofing work.
