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.
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.
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.
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:
To comply with the law, employers’ liability insurance needs to cover:
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.
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.
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.
We provide tailored insurance for most types of trades people, such as:
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