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Business Insurance For Tradesmen & Contractors

As a roofer, insurance should be at the top of your agenda. You run a potentially dangerous business – that could involve employees falling from rooftops, or tools dropping onto members of the public from a great height. So it’s good practice to ensure that you, your employees, your customers and their properties are properly protected should something go wrong.There are various types of roofer insurance for you to consider – some of which you must have by law, and others that are optional. Moneycornershop.com can help you search through the most suitable roofer insurance quotes, and may be able to save you money on your premiums too.

Hot Roofer Business Insurance

As a trade company you need to protect yourself from all eventualities. Tradesman Insurance can include all of the above cover in one policy. It can also have the advantage of adding protection for your tools – in case they are stolen or are damaged (wear and tear not included) – and can sometimes cover the cost should trade materials or products let you down. Not only is it an efficient way of insuring, it could also save you money if you package all your cover under one policy.

Roofer Employers Liability Insurance: If you employ anyone as a roofer, Employers Liability Insurance is a must. As a UK employer you need to have at least £5m of cover, in case an employee is injured, killed or contracts an illness as a result of their work.
Roofer Public Liability Insurance: As you work on other people’s property day in, day out, it’s important to make sure that any injury to a member of the public, or to their property, can be covered. Typically, you need between £1m and £5m of cover, but this amount will vary depending on your annual turnover.
Public and Employers Liability: It’s worth considering the option of Roofer Public Liability Insurance combined with Employers Liability Insurance – buying the two together could save you money.

Our Experience & Relationships

We cover over 1,000 trade types, including most types of tradesmen: from stonemasons to dry-liners, from rendering contractors to partitioners, from ductwork installers to shuttering carpenters. Just use the trade selector on our quote form to type in or select your trade.

We have over 50 years collective experience and relationships with Construction underwriting specialists which have the capacity and understanding of the industry to write and place any construction risk.

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What Insurance Does Your Business Need?

The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for tradesmen:

  • Employers Liability: If you have employees, contractors, casual workers or temporary staff, you’re usually required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
  • As with any type of insurance, the cost of premiums may vary quite widely from one insurer to another. Here, our aim is to help you obtain the insurance cover you need at a competitive rate that represents good value for money.
  • The price of premiums is influenced by a number of factors, including:
  • The number of people you employ
  • The particular nature of your business
  • Your past insurance claims history

To comply with the law, employers’ liability insurance needs to cover:

  • Every permanent employee
  • Seasonal, casual and contract employees
  • Labour-only subcontractors
  • Trainees and employees who are on apprenticeships

It is important to note, however, that the law extends not only to those in full-time, paid employment, but also temporary staff, people on work placements and students. In short, it is important for any small business to examine very carefully whether employers’ liability insurance is required, and if so, that the relevant level of cover is arranged to cover those in paid or voluntary employment in the business.

Roofers Public Liability Insurance

Public liability insurance usually comes up first when it comes to tradesmen insurance, this cover can protect you if you’re sued because someone is injured or their property is damaged.

Moneycornershop.com has the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.

You can include business buildings cover to protect your business premises, including fixtures and fittings.

  • You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
  • ​Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event – like fire, flood, storm, vandalism or theft – while it’s in progress.
  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.
  • Business legal protection insurance can cover your commercial legal expenses and the cost of legal action.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

What Type Of Tradesman Are You?

We provide tailored insurance for most types of trades people, such as:

  • Builder insurance
  • Carpenter insurance
  • Electrician insurance
  • Plumber insurance

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Online quotes, in under 10 minutes
  • Claims managed by individual insurers
  • Experienced business insurance experts
  • We can help you save on your business utilities
  • We can help you raise finance for your business