Public liability is a key policy for almost any contractor, but especially for roofers. This protects you against any claims made by clients and members of the public, such as if you accidentally cause damage to someone’s personal property or are responsible for an injury sustained, leaving you owing compensation. Roofers, especially, run the risk of accidentally dropping something from the roof, which could seriously injure a passer by, or even the client, making this policy crucial. Thankfully, at Tradesman Saver we include this automatically with our roofing contractors insurance, so you can rest easy knowing you’re fully covered.

If you’re operating as a business with a team of employees, you need to carry employer’s liability insurance, which is an optional policy we offer. This covers you against injuries your staff may sustain while on the job, which could lead to a claim. However, if you’re self-employed, we recommend taking out a short term income protection policy, which you can use in the event you suffer from an injury or illness. If an illness leaves you unable to do your job for a certain period of time, you may not be able to afford to pay your bills and be left struggling to make ends meet during your recovery time. This policy, however, guarantees you a form of income during this time.

For contractors, we suggest taking out a contractors all risk policy as another option, which covers you for all issues surrounding contracted works. If, for example, your work has been left damaged by factors outside of your control, such as fire, flooding, theft, or vandalism, this policy will cover the cost of the work to be completed again, as well as any repairs that need to be made onsite.

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Roofing contractors insurance keeps you protected financially against any accidents, injuries, or claims made by clients against you, where you could be required to pay compensation. This can quickly get expensive, especially in the case that it turns into a legal issue. Having the right policy protecting you means you won’t have to foot the entire bill.

Why do you need roofing contractors insurance?

As a roofer, you’re faced with a number of health and safety risks, which can be costly if you’re left owing compensation to members of the public or a client. There is the chance that you can accidentally cause injury to someone, leaving you having to pay damages which could cost up to tens of thousands. However, having the right insurance policy means you won’t be responsible for paying the entire bill, allowing you to focus more on your business rather than worry over the finances.

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