What Is Roofing Insurance?
Roofing insurance ensures your business has the right protection in place should any accidents happen while you’re working at height, like personal injuries or a collapsed roof. Tradesman Saver’s roofing insurance package will protect your company in a variety of circumstances, while also automatically covering any legal expenses you may incur. This includes public liability protection should members of the public or clients suffer bodily injuries or property damage due to your work. With roofing insurance in place, you’ll never have to worry about financial consequences resulting from roof-related mishaps.
Why Do You Need Roofing Insurance?
If you’re good with tools and don’t mind heights, then being a roofer is a good way to make it to the top of the construction world, literally. But it doesn’t take a rocket scientist to figure out that roofing is pretty risky. The chances of slipping or losing your balance are high, which means the possibility of accidents is unfortunately ever-present.
Applying for roofing insurance with Tradesman Saver will give you the peace of mind that your business won’t be financially devastated by the costs of any accidents that do happen. Our comprehensive yet affordable insurance package is just the ticket. To create a roofing insurance quote tailored to your needs, just complete our online form.
Do You Need Insurance for Torch Down Roofing?
If you use heat as part of your roofing works, then you’ll need a specialist high-risk insurance. Torch-on roofing or torch-down roofing is still a popular flat roof covering and is used by many roofers. If you use any equipment involving the use of heat as part of your roofing works, it is important that you choose an insurance policy which gives you the protection you need. Heat includes the use of blow lamps, blow torches, welding or flame cutting equipment and vessels for heating bituminous compounds. The use of angle grinders for cutting roof tiles would NOT be considered heat use.
At Tradesman Saver, we specialise in roofing insurance for slaters, tilers and general roofers who do NOT use heat. However, if you do use heat as part of your roofing works, you can get a quote from our business insurance website, Brisco Business, which specialises in insurance for high-risk trades, including roofers using heat.
How our roofers insurance works
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Tradesman Saver’s Public Liability Cover Included With Roofing Insurance
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
When looking for insurance for your roofing company, public liability insurance is crucial. As a key component of any roofing insurance policy, it protects you from any third party claims made against your company for injury or damage caused to them or their property by your business activities. Our standard cover protects against incidents like a tile sliding off a roof you’re working on and damaging your client’s car, or a tool falling and hitting a passerby.
There are several other types of liability you might also want to consider. For example, you’re legally required to have employers’ liability insurance if you hire any additional workers, while tools & equipment insurance will cover you if your all-important gear is damaged on the job. Another useful cover to have is personal accident insurance, which provides you with a lump sum payment should a work-related injury leave you unable to take on jobs. These can all be added to your standard roofing insurance package.
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No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
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Roofing Insurance: Frequently Asked Questions
What does roofing insurance cover?
Roofing insurance isn’t one single policy. Our cover is comprised of a range of essential insurance policies, which we merge into one package. Here at Tradesman Saver, we include public and products liability, accidental death, financial loss, and legal expenses cover as standard in all of our roof insurance policies. We also offer optional cover for employers liability, personal accident, protection for tools and equipment, short term income protection, business contents, and contractors’ all risk.
How long does roofing insurance last?
Most roofing insurance policies are taken out on a twelve-month basis, with the option to renew. Customers are typically able to make a claim for any damages at any time, provided they can prove that their policy was valid at the point the incident happened.
What information do I need to provide for roofing insurance?
As part of our roofing insurance requirements, we will ask you for basic information like your name, address, and field of work. You will also need to tell us about the size of your business, which means providing us with details of your annual turnover and how many workers you employ. Make sure you have details of any previous claims to hand too.