Roofer's Public Liability Insurance
Competitive Roofer's Insurance Backed By ‘Exceptional’ Service
Want to save money on your roofers public liability insurance? Let the liability insurance specialists at Coversure Hull compare our markets to find you the roofers’ public liability insurance that’s right for you. Whether you’re working as a roofer, a builder who does roofing jobs or own your own roofing company, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Roofer's insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of construction public liability insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your roofers insurance quote today.
What is roofer's public liability insurance?
Roofer's public liability insurance – or roofers’ insurance as it’s also known - through Coversure Hull is a flexible policy that provides roofers and roofing companies with the public liability insurance they need. We can tailor it to your requirements, and as well as your public liability risks it can provide:
- Employers’ liability insurance
- Tools insurance
- Accident or accidental death cover
- Product liability insurance.
- Legal expenses cover
- Professional indemnity insurance
Who needs roofer's insurance?
While it’s called roofer's insurance, it can protect a range of construction firms and building professionals, including:
- Roofers
- Builders and construction businesses that do roofing work
- Re-roofers
To find our more or to get a roofer's insurance quote, please call us free on 0800 977 6037. We’ll get to know your needs before comparing our markets to find you the protection that’s right for you.
What can roofer's public liability insurance cover?
Roofer's insurance through Coversure Hull can be tailored to your needs, but it commonly includes:
- Public liability insurance – covers you should a member of the public injure themselves or if their property is damaged while you are working. It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities. In the case of roofers and roofing companies, policy limits are typically arranged for £1m, £2m, £5m or £10m depending on the size of your business and the type of work you are doing
- Employers’ liability insurance - is a legal requirement if you have employees. It provides cover in the event of an employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) in place to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:
- Cover you for at least £5 million – some companies take £10 million or more
- Be with an authorised insurer
- And employers must provide a safe working environment
- Product liability insurance - if the products you use, recommend, or sell cause problems, you can be held liable. Products are central to many businesses, and if something goes wrong, you can be liable for claims and compensation. Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees
- Personal accident insurance - protects your organisation should someone be involved in an accident at work. It will pay out in the event of death, bodily injury, or disablement. The compensation provided can pay for temporary staff or cover the overtime cost for other team members. With over 561,000 non-fatal work-related injuries occurring in the construction in 2022/2023 – with falls from ladders or scaffolding being the greatest cause – as a roofer, having this cover in place can be seen as vital
- Owned and hired-in plant equipment – many construction businesses require machinery and other equipment to get the job done and will have or hire plant such as cranes or lifting equipment. With an owned or hired-in plant insurance element to your roofers’ policy, you can protect the equipment you are using from damage, theft and ongoing hire charges
- Professional indemnity insurance - if you advise customers or provide a service and are required to advise on best practise, you should consider having professional indemnity insurance. Professional indemnity insurance – P.I. insurance – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice
- Directors’ and officers’ insurance (D&O insurance) - as the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them. Directors’ and officers’ insurance – or D&O insurance as it’s also known – protects your senior members from the costs of legal action, allowing them to focus on their jobs
- Tools in transit insurance – covers the tools of your trade – including scaffolding poles and planks - from loss, damage, or theft while they are being moved
- Contract works insurance – this covers the work you’ve carried out prior to the completion of a project so that if what you’ve done is lost, accidentally damaged or destroyed, you won’t be left out of pocket
How much does roofer's insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your roofer's public liability insurance quote will depend on things like:
- Where you are working
- The height you are working at
- The size of your business and its turnover
- If you have any employees
- The value of your tools and equipment
- Your business’s postcode
- Your claims history
- How long you have been operating for
If you’d like to know how much a roofer's insurance policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your roofers insurance quote today.
Roofer's insurance FAQ
Roofer's insurance is a complex area of insurance and it’s important to get it right. To help you get the cover that’s right for you, here are our roofer's public liability insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Who needs roofer's liability insurance?
A. Builders who do roofing work, roofers and re-roofers, and construction companies working on new builds can all benefit from having roofers’ public liability insurance in place
Q. Is roofer's insurance a legal requirement?
A. No, though if you have employees, you will need employers’ liability insurance
Q. How much does roofer's insurance cost?
A. That will depend on things like if you have any employees, where you are working, and the value of your equipment and stock. if you’d like to get some independent advice, then please call us free on 0800 977 6037
Q. What kind of roofing work can be covered by roofers' insurance?
A. We can find cover for roofers working with PVC, fibreglass, slate, thatch and tiled rooves
Q. What is the maximum height a policy will cover me to work at
A. Typically, a policy will cover you up to a height of 15m
Q. Is a roofer's public liability insurance policy based on claims made or on a claims occurring basis?
A. Most policies are arranged on a claims occurring basis. This means it responds to claims arising from incidents that occurred whilst the policy was in force
Q. How can I get a roofer’s insurance quote?
A. Getting a commercial insurance quote from us is easy. You can call us on 0800 977 6037 or get your roofer's public liability insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get a roofer's insurance quote
If you'd like some roofer’s liability insurance help or a roofer's insurance quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
