Roofing Contractors Insurance
Roofing Contractor Insurance
Roofing contractors operate in one of the highest-risk trades in the UK construction industry. From working at height to handling hazardous materials, having the right insurance is essential – not just to protect you and your business, but also for legal compliance.
Roofing contractors insurance is designed to safeguard your business, employees, and clients against financial loss arising from accidents, damage, or legal claims.
Do I need Roofers Insurance?
It goes without saying, Roofing work carries significant risk, particularly due to working at height—one of the leading causes of workplace fatalities. Without proper insurance, a single incident could result in costly claims or even business closure.
Additionally, UK law requires certain types of insurance, meaning operating without cover could lead to fines or legal action.
What Does Roofing Contractor Insurance Cover?
A comprehensive roofing insurance policy typically includes:
- Employers Liability Insurance (Legal Requirement)
Mandatory if you employ staff, covering workplace injury or illness claims. - Public Liability Insurance
Protects against claims from third parties for injury or property damage. While not legally required, it is often essential for contracts. - Tools and Equipment Insurance
Covers theft, loss, or damage to tools. - Contract Works Insurance
Protects ongoing roofing projects against damage (e.g., weather, fire, vandalism). - Personal Accident Cover
Additional Covers may include.
- Legal Expense cover
- Business Vehicle Insurance
- Business Interruption Insurance
- Hired In Plant Insurance
Why Konsileo for Your Roofing Contractors Insurance?
With years of experience working and supporting both large and small construction and contracting businesses, we at Konsileo are well placed to support, advise and protect your roofing business with the covers you need.
Our understanding of the contracting sector and your legal obligation requirements ensures we are well placed to support you, and furthermore, be available to handle any claims that may arise against you.
We are NOT a call centre and ensure you always speak directly with a specialist. Call our specialist construction team today and see how we can help your roofing business.
Frequently Asked Questions
Konsileo can provide cover for roofing work carried out at height, but acceptance depends on the nature of the work, the maximum working height, safety procedures, and the insurer's underwriting criteria. It is important to accurately disclose the type of roofing work you undertake, including flat roofing, pitched roofing, repairs, and new installations, to ensure your policy provides the appropriate level of protection.
Many roofing contractors insurance policies offer optional cover for owned tools, hired equipment, contract works, and building materials against risks such as theft, accidental damage, fire, or vandalism, depending on the policy wording. This protection can help reduce financial losses and minimise delays if equipment or materials are damaged or stolen before a project is completed.
The cost of roofing contractors insurance depends on several factors, including the type of roofing work undertaken, maximum working height, annual turnover, number of employees, claims history, and the level of cover required. Businesses involved in higher-risk roofing activities or larger commercial projects may pay higher premiums than those carrying out smaller domestic work. Comparing quotes can help you secure suitable cover at a competitive price.
Public liability insurance is one of the most important forms of insurance for roofing contractors because roofing work carries a higher risk of accidental injury or property damage. If your work causes damage to a client's property or a member of the public is injured as a result of your business activities, public liability insurance may help cover legal costs, compensation, and repair expenses, subject to the policy terms. Many commercial clients require proof of this cover before work starts.