Roofers Insurance

Roofers we cover pay from £413 a year, and larger roofing firms sit well above that. What you pay depends on your turnover, how many roofers you employ, the height and type of work you take on, whether you use heat, and your claims history. Those are premiums arranged for other roofing businesses rather than a quote. We are a broker, so we go to several insurers and come back with the options. Call 02382 000820 and we will give you a realistic figure for your business.

Public liability is the core of it, covering injury to other people and damage to their property caused by your work. Alongside it sit employers' liability, which you need by law as soon as you employ anyone, cover for your tools and equipment, contract works cover for the job while it is in progress, and hired-in plant cover for machinery you rent.

It is not required by law, but main contractors and commercial clients will almost always ask to see it before letting you on site, and a single dropped tile or water ingress claim can cost more than years of cover. Employers' liability is different: that is a legal requirement as soon as you become an employer, subject to limited exemptions, and labour-only subcontractors working under your direction commonly count.

Heat work cover can be included, which matters because torch-on felt and hot bitumen are the main reason roofing is rated differently from other trades. Insurers usually attach conditions to it, such as stopping heat work a set time before leaving site. Tell us how you work and we will make sure the policy matches it. Call 02382 000820.

Public liability is the largest single part of a roofer's premium, and on the policies we place the whole package starts at £413 a year, and larger roofing firms sit above that. The limit you choose moves it, but usually less than people expect: going from 2 million to 5 million is rarely the expensive part. What actually drives it is turnover, how many roofers you employ, the height and type of roof you work on, whether you use heat, and your claims record. Those are premiums we have arranged for other roofing businesses rather than a quote for yours. Call 02382 000820 and we will give you a real figure.

It depends on what you actually do, because roofing is not one risk. A broker worth using should be able to tell you what maximum working height is on your schedule, what the fire watch condition says after heat work, and whether the roof you are working on is covered while it is open to the weather. Those three details decide most roofing claims. We are a broker rather than an insurer, so we take your risk to several markets and come back with the options, and we place roofing liability specifically rather than through a general trades scheme. Call 02382 000820 and ask us those three questions.

Contact a broker who places roofing rather than a general comparison site, because roofing carries conditions that generic trade policies handle badly: maximum working height, heat work permits and the fire watch afterwards, and whether the structure you are working on is covered once it is stripped. Have your turnover, wageroll, maximum working height, whether you use heat, and five years of claims ready, and the quote takes minutes rather than days. CoverTrade Insurance arranges roofing contractor insurance across the UK. Call 02382 000820 or use the quote form on this page.

They are the same idea under different names. General liability insurance for roofers is the American term, and general liability for roofing contractors turns up in UK searches constantly because so much roofing content online is written for the United States. In the UK the cover you want is public liability, which handles injury to other people and damage to their property arising from your roofing work. The one thing that does not carry across is employers' liability: in the United States that sits inside workers compensation, while in the UK it is a separate and legally required policy as soon as you employ anyone. If you have been reading American advice, that is the gap to close.

Cheap is the wrong target, and we would rather say so. The lowest roofing premium we have placed is £413 a year, but the policies that go wrong are usually the ones bought on price with a height limit lower than the work, or with a heat work condition the roofer never read. Both look like a saving until there is a claim. What genuinely reduces a roofing premium is a clean claims record, an accurate turnover figure, working within a declared height, and a documented fire watch procedure. Call 02382 000820.

If you work alone with nobody under your direction, employers' liability is not required by law, though public liability is almost always required by whoever is engaging you. The moment you take on a labourer, an apprentice, or another roofer working under your direction and using your equipment, employers' liability becomes a legal requirement, whether they are paid through CIS or invoice you as self-employed. Trading without it where it is required risks a fine of up to £2,500 for each day you were uninsured. Self-employed roofer insurance is normally arranged as one combined package rather than separate policies.

The most affordable roofing insurance is rarely the cheapest quote, it is the policy priced for what you actually do. Three things bring a roofing insurance premium down honestly. Declare turnover accurately rather than rounding up, because you are rated on it. Work within the maximum height on your schedule, since a taller job priced as though it were not is a claims problem rather than a saving. And keep a documented fire watch after heat work, which is the condition that decides most roofing fire claims. On our book roofing cover starts at £413 a year. If you want the genuinely affordable option, ring us on 02382 000820 and we will tell you which of those three is costing you money.

Either works, and the number where one policy starts being easier is lower than most roofers expect: from two vehicles upwards you can usually put them on a single motor fleet policy. The advantage is not always price, it is administration. One renewal date, one insurer, and vehicles added and removed during the year as jobs come and go, rather than a diary full of separate dates and a fresh proposal every time you buy a van. Where separate policies still win is a very mixed fleet with one unusual vehicle, so it is worth pricing both. Call 02382 000820 and we will run it both ways.

Yes, and it is one of the main reasons roofing firms move to a fleet policy rather than insuring van by van. A fleet is not limited to one kind of vehicle, so cars, vans, tippers and flatbeds can all sit on the same schedule instead of the odd ones needing something arranged separately. It also means vehicles can be added and removed during the year as the work changes, rather than each one carrying its own renewal date. Tell us what the vehicles actually are and what they are used for, and we will take it to the markets that write roofing.

Look for a broker who places roofing rather than one working from a general trades panel, because a roofing fleet is rarely a uniform set of vans. Worth knowing before you buy: the vehicle sits on the motor policy, while the tools inside it and materials in transit between merchant and site are covered elsewhere, and the conditions on tools left in a vehicle overnight are the tightest of the three. We are a broker rather than an insurer, so we go to several markets and come back with the options, and we arrange roofing liability and motor fleet cover for roofing contractors. Call 02382 000820.

Broadly yes, and the different names cause more confusion than anything else in this trade. Roofing insurance, roofing business insurance, roofing company insurance and business insurance for roofers all describe the same package: public liability at its core, employers' liability once you employ anyone, plus tools, contract works and hired-in plant. Roofer liability insurance, roofing contractor liability insurance and roofing contractors liability all mean the liability sections of that package. Insurance for roofing contractors is the same product whether you are a sole trader or a firm of twenty. We arrange roofers insurance UK wide, so if you are comparing quotes that use different words for the same thing, send them over and we will tell you what is actually different.