Roofers Public Liability Insurance

What is roofers public liability insurance?

As a roofer, you know that your day to day can be pretty hectic. Amidst the perils of working at height and the possibility of a fall, the work you do can be pretty strenuous too. Add to that that, when you come in after a long day’s work, you’ve barely got your shoes off at the door before you have to sit down and manage all the paperwork that comes with running your own business, and all that work can really take its toll. At the end of your busy day, the very last thing you want to have to worry about is the possibility of an accident or a compensation claim ruining the financial stability of your business.

Why do you need roofers public liability insurance?

That’s where Tradesman Saver can help. We’ve been specialising in the trade industry for over a decade, and we know exactly the kind of risks you face in your line of work. It’s for that very reason that we put together our roofer’s public liability insurance policy, to ensure you have everything you need should the worst happen while you’re on the job. Complete with instant public liability insurance, as well as a heap of other additional benefits such as employer’s liability insurance, tools and equipment cover, contractor’s all risks insurance and even personal accident and sickness protection, it’s the perfect all-rounder to keep you and your business safe in times of hardship. Customise with our online quote form and only pay for the covers you need. Now that’s insurance, made simple.

Please note that Tradesman Saver policies cover roofers excluding the use of heat.

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Tradesman Saver’s Public Liability Cover For Roofers

Our standard cover is:

• £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
• £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)

There are many insurance options which would benefit your roofers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s conservatory when you drop a roof tile on it from height.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Another relevant insurance cover for a roofers business is employer’s liability, which is a legal requirement for anybody who employs staff. Here at Tradesman Saver we have all the coverage you may need as a roofer and you can get your quote online in minutes.

Understanding Public Liability Insurance For Roofers

Trying to navigate through the minefield that is buying roofer’s insurance can be absolutely exhausting. The one term you’re likely to hear thrown about the most though, is public liability insurance. Public liability insurance, in a nutshell, is like the bread and butter of your insurance sandwich. At its most basic level, it covers your business from injury to third parties or damage to their property, and protects you from any claims made against you by your clients, or members of the public, who may have been hurt by your business’ activities. It’s an absolute essential when looking for roofer’s insurance and can safeguard your business from a wide variety of accidents that you may face in your line of work.

It can protect you from situations such as:

• Accidental damage to your client’s vehicle from dropping a roof tile or tool from the roof you’re working on
• A client tripping over your tools, equipment or roofing materials
• Damage to a client’s neighbour’s property whilst slating a roof
• Injury caused to a member of the public through fallen tools or roofing materials

Some of the other covers definitely worth considering as roofer include personal accident and sickness insurance, which can help you pay the bills if you’re injured and unable to work, employer’s liability insurance, which is a legal requirement for those employing staff, tools and equipment cover, and contractor’s all risks insurance, which provides cover for ongoing work on a construction site.