Whether you’re a self employed roofer or roof installation and repair company carrying out work for your own customers or other roofing contractors, you’ll want to make sure your business is protected against risks.
You can buy insurance tailored to your specific roofing trade and budget including:
- Public liability
- Employers liability
- Tools & plant
- Buildings and contents
- Business interruption
- Contract works
- Professional indemnity
- Van insurance
- Personal accident
The two main types of cover for roofing companies are Public Liability Insurance and Employers Liability Insurance.
Public Liability Insurance
Public Liability Insurance (PLI) is important for tilers, slaters, roofers and anyone working in the roofing trade as the risk of damage to property and injury to the public is high.
As well as any related legal fees, PLI can cover the cost of a claim for compensation if a member of the public is injured or killed, or you accidentally damage their property.
Standard cover levels are £1 million, £2 million and £5 million, with up to £10 million for large public sector contracts.
Employers Liability Insurance
Sole traders don’t need employers liability insurance (ELI). The minute you hire someone who isn't direct family - casual labourers, temporary staff or contractors - you are legally required to take it out.
If one of your employees is injured as a result of falling from a roof and sues you for compensation, ELI can cover costs and legal fees.
Usually linked to public liability insurance in policies for small businesses, £5 million is the legal minimum required for roofers’ employers liability insurance.
Cost of Roofers' Insurance
Policies are priced based on level of risk, payroll and turnover.
Premiums will be higher for hot works insurance as injuries from hot work equipment can be severe.
Cold roofing insurance is obviously cheaper – don’t pay for hot works cover if you don’t need it.
Height is another cost factor and insurers will want to know the percentage of work at different heights, the maximum height you work to, and if you use cranes, cradles, etc.
The important thing is to be honest about all the types of roofing work you do, including whether you erect your own scaffolding.
If a worker sustains a serious fall from scaffolding you’ve erected and you didn’t declare this activity, you may not be covered.