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Roofers Insurance
Comprehensive Roofing Insurance from 1st Choice Insurance
At 1st Choice Insurance, we specialise in arranging tailored roofers insurance policies that protect your business, your team, and your reputation. Whether you’re a self-employed roofer, run a small team, or manage a large roofing business, we provide reliable cover designed to meet the specific risks associated with roofing work.
Roofing is one of the highest-risk trades in the construction industry. Working at height, using specialist tools and machinery, and being exposed to unpredictable weather conditions all increase the likelihood of accidents and claims. Our insurance for roofing contractors ensures that you’re protected financially and legally, giving you the peace of mind to focus on the job.
Get a Roofers Insurance Quote Today
If you’re a roofing contractor looking for reliable, specialist cover, speak to our expert team. We work with leading UK insurers to deliver comprehensive policies built specifically for the roofing trade. Call our friendly, experienced team on 03301 081607 for a no obligation quotation or use our Get a Quote Form to request a call back.
What is Roofers Insurance?
Roofers insurance is a type of specialist commercial insurance designed for tradespeople and businesses involved in roofing installation, maintenance, repair, and refurbishment. It typically combines multiple types of cover under one policy to protect against common risks in the trade, such as third-party claims, property damage, employee accidents, tool theft, and more.
A tailored roofing insurance policy usually includes essential covers like:
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Public liability insurance
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Employers’ liability insurance (if you have staff)
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Tools and equipment cover
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Contract works cover
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Optional cover for hired-in plant, vehicles, and legal expenses
Whether you work with flat roofs, pitched roofs, slate, tiles, leadwork, or green roofing systems, your policy can be customised to suit your business’s structure, services, and scope of work.
Who Needs Roofers Insurance?
Roofers insurance is essential for anyone carrying out roofing work in a professional capacity, including:
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Self-employed roofers and sole traders
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Roofing subcontractors
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Limited companies and roofing contractors with employees
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Commercial and domestic roofing businesses
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Flat roof specialists
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Lead and slate roofing professionals
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Green roof installers
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Industrial and commercial roofers
If your business involves working at height, using ladders or scaffolding, handling hot works, or working on commercial sites, you face a higher level of risk than many other trades. Having the right insurance in place is not only a practical safety net, it may also be a legal requirement or contractual obligation.
What Does Roofers Insurance Include?
At 1st Choice Insurance, we tailor each policy to suit the size, nature, and risk profile of your roofing business. A comprehensive roofers insurance policy may include:
Public Liability Insurance
This is the most crucial cover for roofers. It protects you if a third party (such as a customer, passer-by, or another contractor) is injured or their property is damaged due to your work.
Employers’ Liability Insurance
Legally required if you have employees, even part-time or temporary. It covers claims made by staff who are injured or fall ill as a result of their work.
Tools and Equipment Cover
Protection against theft, loss, or accidental damage to your hand tools, power tools, ladders, and specialist roofing equipment, whether on site, in transit, or in storage.
Contract Works Insurance
Covers the cost of repairing or redoing roofing work if it’s damaged by events such as fire, storm, vandalism, or theft before completion.
Hired-In Plant Insurance
Covers the cost of repairing or replacing machinery or equipment hired for your projects if it is damaged or stolen.
Commercial Vehicle Insurance
Cover for any vans or trucks used in your roofing business, including goods in transit, third-party cover, and vehicle damage.
Legal Expenses Cover
Helps cover the cost of legal fees related to contract disputes, employment claims, or financial compliance reviews.
Benefits of Roofers Insurance
Financial Protection Against Claims
Roofers insurance protects your business from the potentially high costs of claims arising from injury to third parties or damage to their property. This helps safeguard your business’s finances and reputation.
Legal Compliance
If you employ workers, employers’ liability insurance is a legal requirement in the UK. Having the correct cover ensures you meet your legal obligations and avoid fines or other consequences.
Cover for Tools and Equipment
Roofing tools and specialist equipment are vital to your work and can be costly to replace. Insurance protects these assets from theft, loss, or accidental damage, keeping your business operational.
Protection for Contract Works
If materials or unfinished work on-site are damaged by fire, theft, vandalism, or weather, contract works insurance can cover the costs to repair or replace, reducing disruption to your projects.
Peace of Mind
Knowing your business, employees, and equipment are protected lets you focus on your work with confidence, reducing stress and uncertainty.
Access to Larger Contracts
Many commercial clients and contractors require proof of insurance before awarding work. Having roofers insurance can open doors to bigger projects and more business opportunities.
Support with Legal Expenses
Insurance often includes legal costs cover to help with disputes involving contracts or employment issues, reducing financial risks associated with legal matters.
Business Continuity
By mitigating the financial impact of accidents, theft, or claims, roofers insurance helps ensure your business can continue operating without major interruptions.
Why Do Roofers Need Insurance?
Roofing is a physically demanding and potentially hazardous job. Mistakes, accidents, and unforeseen incidents can lead to serious financial consequences if you’re not adequately covered. Here’s why insurance for roofing contractors is vital:
⚠ Accidents Can Happen
Even with strict health and safety measures, working at height increases the risk of injury to workers and third parties. If a member of the public or another contractor is injured due to your work, you could face a costly claim.
🛠 Property Damage
Roofing often involves access to fragile areas like skylights, chimneys, and drainage systems. If you cause accidental damage to a client’s property, such as a broken window, leaking roof, or structural issue, you’ll be liable for repair or replacement.
👷 Protecting Employees
If you employ staff, you’re legally required to have employers’ liability insurance. This protects you if a worker is injured or becomes ill as a result of working for you.
🧰 Theft or Damage to Tools
Roofing tools are often expensive and frequently transported between jobs. Theft, loss, or damage to essential equipment could delay your work.
📝 Meeting Client and Contract Requirements
Many commercial contracts require proof of public liability insurance before allowing roofers on site. Without it, you could lose out on valuable work.
Why Choose 1st Choice Insurance for Roofers Insurance?
At 1st Choice Insurance, we believe that exceptional service goes beyond simply arranging a policy. We take the time to listen and understand your roofing business, so we can offer roofers insurance that’s tailored to your specific needs, not a one-size-fits-all solution.
Our experienced team is committed to building lasting relationships with our clients. We know that every roofing contractor operates differently, and we’re here to support you with honest advice, reliable cover, and personal attention every step of the way.
Personalised Service
We don’t just sell insurance, we take the time to understand how your roofing business works, what types of projects you take on, and the specific risks involved. That way, we can recommend the right level of protection for your work and operations.
Exceptional Customer Care
Your business is our priority. Our friendly, knowledgeable team is committed to making sure you feel informed, confident, and supported, before, during, and after your policy is in place.
Comprehensive Protection
From public liability and employers’ liability to tool cover and contract works, our roofers insurance solutions are designed to protect all aspects of your business, on-site, in transit, and beyond.
Ongoing Support
We’re here for the long term. Whether you need to make a claim, adjust your policy, or simply ask a question, our team is ready to help, quickly, professionally, and with your best interests at heart.
