Roofer Insurance

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Insurance for Roofers Made Simple

At Tradesman Insurance 4u, we know that finding the right insurance for your roofing business can be a challenge. That's why we've made it our mission to simplify the process, offering tailored policies that meet the unique needs of roofers like you.

Roofing Business Insurance in Minutes

Insurance for roofers doesn't need to be complicated, we offer a personalised service that takes the normal stress out of insurance. Complete our simple online form in minutes and we'll do the rest for you, finding the right insurance to meet your needs, providing maximum value.

Ensuring you get the right cover

We understand that every roofing business is different. That's why we offer a wide range of insurance options to choose from. Whether you're a large roofing company with multiple employees or a self-employed roofer, we've got you covered.

Some of the key features of our roofer insurance include:

We also offer a range of other insurance options, including additional tools insurance, contract works insurance, and business interruption insurance.

Get a Quote Today

To get a quote for roofer insurance, simply complete our online form. Our team of experts will get straight to work finding you the right insurance coverage. With the right roofing company insurance in place, you'll be able to concentrate on what matters most, your business.

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Making insurance simple

Choose your limit of cover

Whether it's £500,000 or £10,000,000 you need, we've got you covered.

Add additional insurance

From professional indemnity insurance to additional tool cover, add all the cover you need with your public liability insurance in one quote form and we'll tailor your insurance policy to suit your needs.

Safe & secure online applications

Use our simple and secure online form to request your quote.

Stress-free insurance

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Simple quote form

Get a quote with our online form in 6 simple steps. One policy, one set of documents.

UK based contact centre

Our UK based call centres are full of friendly staff who are here to help.

Peace of Mind

With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.

Looking for further information?

Speak to one of our friendly and helpful advisors

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

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Tradesman Insurance 4u

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Tradesman Insurance FAQs

How do I get a quote?

You can get a quote by filling in our simple to use online form, or by clicking any of the "start quote" buttons throughout our site. Once you've completed that we'll take over and find the best quote to suit you and your business.

If there's anything you're unsure of give us a call on 02071 185247, one of our advisors will be happy to help.

If you'd prefer for us to give you a call, you can request a call back request a callback and we'll give you a call back at a time that suits you.

Offering specialist tradesman insurance policies to construction professionals in the UK, we've got you covered no matter what the scenario.

How much public liability coverage is necessary?

It's highly unlikely you'll find an insurance company who will advise the limit of cover you need, mainly due to liability reasons. Our team of advisors will be happy to discuss your options and help find the policy that suits your needs best, however the amount and type of cover will be your responsibility to decide.

In some cases your job may stipulate the amount of liability cover you require. Many industry organisations and professional bodies could also prove a good source of information and be able to offer advice. At Tradesman Insurance 4u we offer between £500,000 and £10 million in public liability liability limit of cover for Roofers.

What is public liability insurance?

Public liability insurance is a cover designed to protect you and your business from various compensation claims. Public liability insurance can protect you and your business from the following:

  • injury compensation: when injury has been caused to a client, member of the public, customer, supplier or passerby by you or your business.
  • propery damage compensation
  • legal fees associated with injury or damage compensation claims

For example, if you are a scaffolder and dropped a pole on a clients foot, or if you're a painter and decorator and were to spill a tin of paint on a clients carpet, you could face a compensation claim.

What is professional indemnity insurance?

Professional indemnity insurance is designed to protect your business from compensation claims made by a client due to mistakes made in your work. It can cover you from the following:

  • professional negligence
  • unintentional breaches of copyright or confidentiality
  • loss of documents or data
  • defamation or libel

It'll often be useful cover if your business provides provides advice or expertise to third parties, it's is a must for any company whose clients might suffer financial loss as a result of your advice, services or designs. For example, if you're an electrical contractor who's design or implementation has caused a malfunction, you may face a compensation claim that having professional indemnity insurance would greatly benefit you.

Do I legally require public liability insurance?

Although not legally required, as most business come into contact with the public one way or another, public liability insurance is normally very useful to have for your business. You'll often find some contracts will require you to have a certain level of public liability insurance before you can start work.

What business takes out public liability insurance?

Public liability insurance is particularly important for construction workers and shop owners, however if your business comes into contact with the general public, it'll be useful for your business.

What insurance does a Roofer need?

It largely depends on the type of work you do and what type of business you have. As a sole trader working on a building site you may just require public liability insurance to protect you from injury compensation or property damage claims, but if you need insurance in the case of giving advice, to cover your tools or employees you'll require a policy including extra cover. You can find out all you need to know regarding cover types by reading our FAQ's and insurance cover yypes in full.

What insurance does a self employed Roofer need?

Whether you're an Roofer operating as a business or on a self-employed basis, you'll need a specialist insurance policy to protect how you earn your living. Often you'll need a policy with a range of cover options such as public liabilty, employer's liability, property damage cover and professional indemnity. If you're unsure of what cover you need one of our advisors will be happy to guide you, just give us a call on 02071 185247.

What types of tradesman liability insurance do you offer?

At Tradesman Insurance 4u, we offer a range of liability insurance policies for tradesmen, including public liability insurance, employers' liability insurance, and professional indemnity insurance. You can also add optional extras like tools cover and personal accident cover to your policy for added protection.

What is the difference between public liability insurance and employers' liability insurance?

Public liability insurance covers third-party property damage or injury that occurs as a result of your business activities, whereas employers' liability insurance provides cover for your employees if they suffer an injury or illness as a result of their work. By law, you're required to have employers' liability insurance if you have employees, but public liability insurance is optional (though highly recommended).

How much public liability insurance do I need as a tradesman?

The amount of public liability insurance you need as a tradesman depends on various factors, including the type of work you do, the level of risk involved, and any contractual requirements you may have. Our policies offer limits of indemnity ranging from £1 million to £10 million, so you can choose the level of cover that best suits your business.

Can I get tradesman insurance if I'm self-employed?

Absolutely! Our self-employed tradesman insurance policies are designed to provide the cover you need, whether you work alone or have a small team. We offer a range of liability insurance policies as well as optional extras like tools cover and personal accident cover, so you can tailor your policy to your specific needs.

Does professional indemnity insurance cover public liability?

Although also providing cover for complensation claims, professional indemnity insurance is a different insurance product, offering protection against different types of claims due to mistakes. Professional indemnity insurance can be a standalone policy in some cases, or an addition to public liability insurance.

Does professional indemnity insurance cover bodily injury?

Professional indemnity insurance does not provide cover against bodily injury, it's purpose is to provide cover against compensation claims due to mistakes in your work. For protection against bodily injury that's it's best to look into public liability insurance.

Is professional indemnity insurance compulsory?

Although not compusory under law, some professions, including solicitors, financial advisors, architects and accountant require it due the rules stipulated by the relevant regulators and professional bodies. Some contracts may also require you have it before you're able to start a job.

Do I need product liability insurance?

Product liability insurance isn't required by law, however if you're a salesperson, manufacturer or supplier, you have a duty of care towards your customers. The Consumer Protection Act requires you to make sure that the goods you supply are safe. If injury or damage is caused to a customer or their property due to your product, you could end up facing legal action.

Do I need employer's liability insurance?

Carrying Employers’ Liability Insurance is a legal requirement for almost every business in the UK that has employees. It's purpose is to insure against liability for injury or disease to your employees arising out of their employment. You must also carry insurance for every temporary or contract worker you employ.

How much is Roofers public liability insurance?

Roofers public liability insurance policies from Tradesman Insurance 4u start at £349.95 a year, or £29.16 month if you choose to pay via direct debit (applicable if your policy is over £200).

Can I include personal injury insurance?

Tradesman Insurance 4u presently offers a single level for personal injury cover. Compensation can be up to £10,000 for injuries to as much as £20,000 for death. Keep in mind the maximum pay-out which one is entitled to is usually determined by the nature of the injury sustained.

Can I get Roofers business insurance with multiple types of insurance in one policy?

Our specialist Roofers business insurance policies make it simple for you to cover all your insurance needs with one quote, one policy and one set of documents. Simply select the types of insurance you need in our online form and we'll provide you with a quotation that suits your business best.

Is there a Tradesman Insurance 4u Blog?

Absolutely! Explore our Tradesman Insurance Blog for valuable insights, including tips to boost Scaffolders' job opportunities, the potential impact of Artificial Intelligence (AI) on various professions, and expert insurance advice. Don't miss out! Visit our Tradesman Insurance Blog now.

Can I pay in monthly instalments?

Yes, we offer the option to set up payment via direct debit, so you can spread the cost of your policy throughout the year.

How long will it take to get a quote?

Insurance for Roofers can sometimes seem complicated and time consuming to organise. With that in mind we've tried to make it as simple as possible - we aim to get all the information required for your quote in 5 simple steps, then we'll do the hard work for you and find a quote that suits your business best, often within an hour or two.

How can I find out more?

For a much more in depth look at our frequently asked questions, visit our FAQ page.

Tradesman Insurance Claims

We're here to help take the stress out of insurance.

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Here to help

The world of insurance can be daunting, especially when relating to complicated matters such as liability and compensation when a claim is being made against you. Even before an official claim has been made, the team of legal advisors we work with will be there to help you.

In terms of the claim itself, our advisors can guide you through the steps you need to take to prepare and how to further protect yourself.

How to make a claim

To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

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roofer working at height with personal accident cover from our Roofing Company Insurance package

Professional Indemnity Insurance

Protect your roofing business from financial loss with professional indemnity insurance for roofers. At Tradesman Insurance 4u, we offer coverage up to £5 million to ensure you're covered in the event of giving faulty advice. Choose standalone coverage or combine with another policy for maximum protection.

Employers’ liability insurance

As a roofer with employees, it is important to have employers' liability insurance, which is required by law. This coverage is designed to protect you from claims made by employees who have been injured or fallen ill as a result of their work. It's especially important for high-risk jobs like roofing, where accidents can happen. At Tradesman Insurance 4U, we offer tailored employers' liability insurance for roofers to keep your business protected.

In Summary

Roofing can be a dangerous job, and accidents can happen unexpectedly. That's why having the right insurance coverage is crucial for your business's protection and your peace of mind. From public liability to professional indemnity and personal accident insurance, Tradesman Insurance 4U has you covered. With our tailored insurance solutions, you can focus on what matters most - growing your business and doing what you love.

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Ensure you get the coverage you need

  • When choosing what type or even types of liability insurance you will take, make sure you read all documentation carefully before you sign on the dotted line.
  • Make sure you choose the right limit of indemnity that won't leave you or your business at risk.
  • Make sure you have an accurate replacement value of tools and property, so that you can adequately replace your vital equipment that earns you your living, should something happen
  • If you engage people in employment, even in your own residence, you are legally mandated to take out employer’s liability insurance. if you fail to do so, you could pay heavy fines.
  • Whether it's a legal requirement or not, ensure you get the right types of insurance to protect what matters most, your business.

What types of cover can I get?

From public liability insurance to employer's liability, professional indemnity to additional tool cover, we offer a wide range of insurance options to protect you and your business, find out more by heading to our insurance cover types section. If you still have more questions, head to our business insurance FAQs section or give us a call and one of our advisors will be happy to help.

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What effects the cost of Roofing insurance?

The following factors can affect the cost of roofers insurance:

  • Type of Roofing Services: The specific roofing services you provide influence the cost. Roofing jobs for commercial properties generally carry higher risks and therefore, higher insurance costs compared to residential roofing.
  • Business Size and Revenue: The size of your roofing business and its annual revenue can significantly impact insurance premiums. Larger businesses with more employees or higher revenues usually face higher costs due to greater liability exposures.
  • Location of Business: The geographical location of your roofing business affects insurance costs. High-risk areas, prone to extreme weather or with higher crime rates, may see increased insurance premiums.
  • Insurance Policy Details: The specifics of your insurance policy, such as coverage limits and deductibles, are key factors in determining the cost. Tailoring these to suit your business needs can help manage expenses.
  • Claims History: A history of insurance claims can lead to higher premiums. Roofers with a clean claims record are more likely to benefit from lower insurance costs.
  • Safety Measures and Best Practices: Implementing effective safety measures and adhering to industry best practices can lower the risk profile of your business, potentially leading to reduced insurance costs.

Why is roofers insurance important?

Roofing insurance is crucial for roofing contractors, providing essential protection against the unique risks inherent in roofing work.

Risks such as accidents on high roofs, property damage during operations, and other unforeseen events in this high-risk trade necessitate comprehensive insurance. Such coverage offers financial security, mitigating liabilities, and safeguarding both equipment and employees.

Coverage can include:

  • Roofing public liability insurance (up to £10 million)
  • Employers' liability insurance
  • Personal accident cover
  • Tool and equipment cover
  • Legal expenses cover
  • On-site equipment cover
  • Materials and stock cover

Why choose Tradesman Insurance 4u for Roofers Insurance?

  • Expertise in roofers insurance
  • Customisable policies to suit specific roofing needs
  • Competitive quotes
  • Over 30 years of industry experience
  • Dedicated UK-based insurance professionals
  • Access to a 24-hour emergency helpline

For personalised advice and information on roofing insurance, call our experienced advisors at 02071 185247.

Types of Cover