Insurance for roofing carpenters, starting less than £55 per year
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Working at height brings unique challenges and risks that ground-level carpentry simply doesn’t face. Whether you’re constructing roof trusses, fitting fascia boards, or repairing roof structures, your business needs insurance that understands the specific hazards of working above ground.
At Carpenter Saver, we recognise that roof carpentry demands specialised coverage beyond standard carpentry insurance. From weather-related risks to the increased severity of height-related accidents, we’ve designed our policies specifically for tradespeople who work on roofs.
Our insurance experts understand your trade inside out, ensuring you get comprehensive protection without paying for irrelevant coverage. With over 40 years of experience protecting carpenters and joiners, we’ve built our reputation on providing affordable, reliable insurance that truly meets the needs of roof carpenters across the UK.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
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Our Tradesman Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
Choose the quote that’s right for you, activate your policy and view your certificates online.
Our comprehensive roof carpenters insurance policy provides multiple layers of protection tailored specifically for height work:
Roof carpentry presents unique risks that standard carpentry insurance might not fully address. Working at height means the potential consequences of accidents are often more severe. A dropped tool from ground level is inconvenient, but the same tool dropped from a roof can be catastrophic. Weather conditions add another layer of risk, with wind, rain, and ice creating hazardous working conditions that can lead to accidents or incomplete work. Your insurance needs to reflect these heightened risks.
Standard carpentry policies might not provide adequate insurance cover limits for height work, or may exclude certain roofing activities altogether. Many insurers apply height restrictions or charge excessive premiums for roof work, making it difficult to find affordable coverage that actually protects your business.
Furthermore, the materials and equipment used in roof carpentry often have higher values than ground-level work. Specialist roofing tools, scaffolding, and safety equipment represent significant investments that need proper protection. Our roof carpenters insurance ensures you’re comprehensively covered for the specific challenges of your trade.
The cost of your insurance depends on several factors, including your experience, location, turnover, and the specific types of roofing work you undertake. Our policies start from just £55 per year for sole traders, though roof carpenters typically pay slightly more than ground-level carpenters due to the increased risks involved. The level of cover you choose also affects your premium.
While our standard £1 million public liability might suit smaller domestic projects, commercial roof carpenters often opt for £2 million or £5 million cover to meet contract requirements. Adding optional covers like tools insurance or employers’ liability will increase your premium, but provides valuable additional protection that could save your business from financial disaster.
To ensure complete transparency, we provide instant online quotes that clearly show all costs upfront. There are no hidden fees, broker charges, or surprises. Just straightforward, affordable protection designed specifically for roof carpenters.
Ready to protect your roofing business with insurance that truly understands your trade? Get a quote today. It’s quick and simple – our online form takes just minutes to complete, and you’ll receive an instant quote tailored to your specific needs. With our expertise in insuring height-work specialists, we’ll help you build the perfect policy for your roof carpentry business.
* Total number of live policies as of 31/10/2025
While the same policy can cover both types of work, commercial projects often require higher liability limits. Many commercial contracts specify a minimum £5 million public liability cover, whereas domestic work typically requires £1-2 million. When getting your quote, ensure you specify all types of work you undertake so your policy covers everything you do. At Carpenter Saver, we’ll ensure your coverage matches your contract requirements without overcharging for protection you don’t need.
Work on listed or historic buildings often carries additional risks and responsibilities. Standard policies typically cover this work, but you should declare it when obtaining your quote. Some insurers may apply restrictions or additional premiums for heritage work, but at Carpenter Saver, we understand this is often part of a roof carpenter’s regular work and price accordingly. We’ll ensure your business insurance policy explicitly covers any specialist work you undertake.
Weather-related delays are a common concern for roof carpenters. While insurance doesn’t cover loss of income from weather delays, your public liability insurance would cover you if incomplete work led to property damage. For example, if a partially completed roof repair allowed rain damage to occur. Consider adding contract works cover for additional protection on larger projects, which can cover materials and partially completed work against weather damage whilst you’re unable to work.
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
