roofing Contractors insurance
Do I need roofers insurance?
Roofers insurance is important for any business which has employees or utilises labour only subcontractors, and it is a legal requirement for those working in this trade sector. This sector, whether you are a sole trader, partnership, SME business or a larger concern, comes with an element of risk.
- Risk Management
As a qualified and responsible roofing contractor, you need to manage a number of likely risks. An insurance broker who can help minimise your exposure and provide advice on how to manage these risks will help put you in a very positive position when dealing with insurers.
- Market leading cover
Contractors' liability and contract works insurance requires expertise and an insurance broker that has the experience to understand the types of cover your business requires. We arrange cover with market leading insurers that specialise in your sector, ensuring all your roofers insurance requirements are taken care of.
- Advice when it counts
Accidents happen, and if you need to claim it pays to know that your claims service will be exceptional, and as painless a process as possible.
How our contractors' insurance team can help
With over 10 years’ experience of advising on and providing roofing contractors' insurance, we have the knowledge and experience to understand you and your business.
Roofing contractors are exposed to a number of factors which come with risks, whether that’s damage to property, or situations arising that come with working at height or with the application of heat. We have worked with our panel of specialist insurers to provide you with the most relevant and effective cover available.
Details on the risks faced by you or your business, along with what we cover, are shown below.
What can roofing contractors insurance include?
- Public Liability
We arrange cover for limits from £1 Million upwards, including the ‘standard requirement’ limits of £2Million, £5Million or £10 Million. Public Liability cover protects you in case your activities injure a client, contractor or member of the public, plus damage to third party property. Cover is available for working with heat. A number of height limit options are available, including ‘unlimited’, depending on your requirements.
- Employer’s Liability
Cover for your employees and labour only sub-contractors in respect of injury, disease or death whilst under your employment, with no need to declare employee numbers.
- Contract Works
Insurance to cover for loss or damage to contract works including materials. This cover can be extended to include cover for you own plant and equipment as well as any items you may need to hire-in.
- Legal expenses
Provides legal protection and a legal helpline, limit of up to £100.000.
The latest contractors insurance articles
Whether you’re continuing to work or not, it is essential that you maintain your contractors insurance, instead of exposing yourself to further risks.
Whilst construction businesses can continue operations, they must implement a variety of site procedures to protect their employees and minimise the risk of spreading COVID-19.