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Roofers Insurance
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Cover to Protect Your Business
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Comprehensive Roofing Insurance from 1st Choice Insurance
At 1st Choice Insurance, we specialise in providing bespoke roofers insurance designed to protect every aspect of your roofing business. Whether you are a self-employed roofer, a subcontractor, or manage a large commercial roofing company, our tailored policies ensure your business, employees, equipment, and reputation are fully protected. Roofing is a high-risk industry, and having the right insurance allows you to focus on delivering exceptional work with confidence.
From flat roofs and pitched roofs to slate, tile, lead, or green roofing systems, we understand the unique challenges roofers face. Our insurance solutions are designed to give you financial security and legal protection, while also helping your business meet client and contractual requirements.
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 specifically designed for tradespeople and businesses in the roofing sector. Unlike standard business insurance, roofers insurance combines multiple covers into a single comprehensive package, safeguarding your business from the everyday risks of working at height, using specialist tools, and operating in potentially hazardous conditions.
A fully customised roofing insurance policy may include:
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Public Liability Insurance – protects against injury to third parties or property damage caused by your work.
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Employers’ Liability Insurance – a legal requirement for any business that employs staff.
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Tools & Equipment Cover – protects your essential tools and machinery from theft, accidental damage, or loss.
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Contract Works Insurance – covers unfinished projects from fire, vandalism, theft, or storm damage.
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Hired-in Plant & Machinery Cover – protects hired equipment while under your care.
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Commercial Vehicle Insurance – ensures your vans or trucks are covered on the road and on-site.
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Legal Expenses Insurance – helps manage disputes, contract issues, or employment claims.
No matter your specialisation, whether you install commercial roofing systems, repair residential properties, or manage industrial projects, we can arrange the right level of cover tailored to your business.
Who Needs Roofers Insurance?
Roofers insurance is essential for anyone working professionally in roofing. This includes:
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Self-employed roofers and sole traders
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Roofing subcontractors
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Limited companies and contractors with staff
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Commercial and domestic roofing businesses
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Industrial roofers
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Specialists in flat roofs, lead work, slate, tiles, or green roofing systems
If your work involves scaffolding, hot works, or operating on commercial sites, insurance is more than a safety net, it may be a legal or contractual requirement.
What Does Roofers Insurance Include?
Each roofing business is unique, which is why 1st Choice Insurance creates policies designed around your specific needs. Whether you work on domestic projects or large commercial sites, your insurance should match your business operations.
Public Liability Insurance for Roofers
This is one of the most critical aspects of roofers insurance. It protects your business if a third party, such as a customer, passerby, or another contractor, is injured, or if property is damaged because of your work. Many commercial contracts require proof of public liability insurance before work can begin.
Employers’ Liability Insurance
Legally required in the UK for businesses that employ staff, even on a part-time or temporary basis. This cover protects against claims from employees who are injured or become ill due to their work. Without it, your business could face fines and legal consequences.
Tools & Equipment Cover
Roofing tools and machinery are expensive and essential for completing projects efficiently. This cover protects hand tools, power tools, ladders, and specialist equipment against theft, accidental damage, or loss, whether on-site, in transit, or in storage.
Contract Works Insurance
Unexpected incidents, such as fire, theft, vandalism, or severe weather, can disrupt roofing projects. Contract works insurance covers the cost of repairing or replacing damaged work before completion, keeping projects on schedule, and reducing financial risk.
Hired-In Plant & Machinery Cover
Many roofing contractors hire specialist machinery and equipment for specific jobs. This cover protects your business against the costs of repairing or replacing hired equipment if it is damaged, lost, or stolen while under your care.
Commercial Vehicle Insurance
Roofing businesses often rely on vans or trucks to transport tools, materials, and employees. Our commercial vehicle cover protects against accidents, theft, and third-party claims, with optional coverage for goods in transit.
Legal Expenses Insurance
Roofers can face disputes over contracts, employment matters, or financial disagreements. Legal expenses cover supports your business by helping with legal fees, reducing the financial impact of disputes.
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.
Protection for Tools and Equipment
Your tools and equipment are essential assets. Insurance helps safeguard them from theft, loss, or accidental damage, keeping your business operational without costly interruptions.
Coverage 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
With the right insurance, you can focus on your work confidently, knowing your business, staff, and equipment are protected.
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 can help with legal disputes, whether related to contracts, employment, or client issues, reducing the risk of significant financial impact.
Business Continuity
By mitigating financial risks, roofers insurance helps ensure your business can continue operating even after accidents, theft, or claims.
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.
