Roofers' Insurance
Looking for the perfect roofers' insurance policy to suit your business? Get in touch, we'd love to help.
Why choose Howden for Roofers’ Insurance?
We understand how difficult and stressful it can be for tradesmen to find the business insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various different roofer insurance options, on your behalf, simple and straightforward.
Here at Howden, our team of specialists understand that each roofers' insurance policy needs to be unique and tailored to each owner and their roofing business. That’s why we provide personalised services to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your roofing insurance.
So, what are you waiting for? Whether you need to make a claim, purchase a new roofer insurance policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Business insurance for roofers
Of all the professions in the trade industry, roofers certainly have one of the riskier jobs. The work they do on buildings, at height, is notably dangerous and risky, which just makes having insurance that bit more important.
We have a wide range of business insurance products available to combat the risks roofers face – whether that be damaged tools, a fall causing an injury, or loose tile falling and inflicting property damage below. All in all, roofers need business insurance to not only protect themselves and their business, but to also prove to employees and third parties that they take potential claims seriously.
Public Liability Insurance for roofers – how does it work?
All successful roofing businesses are backed by a public liability insurance policy. Because of how often roofers are around people, whether that be clients or members of the public, it’s crucial that they have public liability insurance in place in order to appropriately protect themselves from third-party claims.
So, what exactly could roofers’ public liability insurance cover you for?
Imagine you leave some equipment on the pavement below where you’re working, and a member of the public trips over it and gets injured. Or a roof tile becomes loose and hits or damages a client’s property, causing damage.
In these cases, or in cases similar to these, clients or members of the public will feel they have every right to make compensation claims against you and your business, and you could be expected to fork out to pay the compensation or to pay the legal fees required to defend yourself in court. That’s the importance and value of public liability insurance, because of its ability to minimise the impacts of claims on your business finances.
What insurance do roofers need?
Without a doubt, the first business insurance policy roofers must get their hands on is public liability insurance, to protect their business from the various claims that can arise. There’re also other roofers’ liability insurance products, such as employers’ liability cover, that are worth purchasing, but otherwise, the insurance you need will depend on the business operation you run.
Take a look below at our roofing insurance range and find out more about how different types of cover could protect your business.
Public Liability Insurance
Roofers needs public liability cover to help navigate the complexities and financial consequences of third-party claims.
Employers’ liability insurance
Does your roofing business have employees? If so, you’re legally required to have employers’ liability insurance cover in place to protect your business from staff claims.
Professional indemnity insurance
If, as part of your service, you offer business advice to a client, indemnifying yourself could prove worthwhile if the worst happens.
Tools insurance
Specialist tools and equipment are vital to any roofing business. Tools insurance can replace or repair tools that are damaged, lost or stolen.
Business van insurance
At the heart of any trading business is its van or business vehicle. You can protect yours with a business van insurance policy.
Legal expenses insurance
Legal expenses cover is exactly what you need to financially protect yourself against legal action and the costs needed to defend your business.
Personal accident insurance
The chances of accidents in the roofing industry are high, making personal accident cover an essential insurance.
Contract works insurance
Also known as contractors’ all risk insurance, this cover is essentially a ‘given’ in the industry, protecting a tradesman’s work and materials.
Hired-in plant insurance
Get the right cover for you and your business when you hire machinery and equipment.
Still not sure what cover you need to complete your roofers’ insurance? Or have another additional cover option in mind? Get in touch with a member of our team and we can help you build a roofers’ insurance package that ticks each of your boxes.
How much does Roofers’ Insurance cost?
It’s tricky for us to determine exactly how much your roofers’ insurance policy will be, especially before we’ve received any information from you. Every insurance provider is different too, each having their own terms and conditions and ways to calculate insurance providers.
However, generally, roofer insurance premiums are calculated based on the following factors:
- The types and level of cover you choose
- The risks you face
- The building types you’re working on
- The amount of excess you’re willing to pay
- Whether you’ll pay in upfront or in monthly instalments
Ultimately, the best way to find out exactly how much your premiums will cost is to get a roofers’ insurance quote. You can do this by getting in touch with us! You can either give us a call on 01276 601 690, visit us in your local Howden branch, or scroll to the bottom of this page and click Get a quote.
Here at Howden, you also have the option to pay for your insurance policy via direct debit, if that's your preference.
Who do we also insure?
Not only can we help roofers, but we can also offer cover for a wide range of other tradesmen, such as:
- Bricklayers
- Builders
- Carpenters
- Car Valets
- Cleaners
- Contractors All-Risk
- Contractors
- Electricians
- Gardeners & Landscapers
- Gas Engineers
- Handymen
- Limited Companies
- Market Traders
- Mechanics
- Painters and Decorators
- Plumbers
- Sole Traders
- Subcontractors
- Tradesmen
- Tree Surgeons
- Window Cleaners
Related Articles
Want to learn more about roofers’ insurance? Have a read of the articles below that you can find on the Howden Blog!
- Tools stolen every 15 minutes – latest cost to the trade revealed
- What is Public Liability Insurance? (Full Guide)
- Trade – are you coping with the cost-of-driving crisis?
Roofers' Insurance FAQs
What do roofers do?
Whether it be working on older structure or newly built properties, the role of a roofer is to construct, repair and maintain roofs.
Roofing professionals may specialise in specific types of roofing materials or systems, such as asphalt shingles, metal roofing, tile roofing, or flat roofs. Their work is crucial for protecting buildings from the elements and maintaining the structural integrity of the overall construction.
Are roofers responsible for leaks?
If a leak in a roof was caused by the roofer’s work, whether that be an error or through negligence, then yes, the roofer should be responsible for the leak.
Roofers will be made liable for any property damage caused by the work that they do, which is why it is important that they have the right liability insurance in place.
Do roofers need a license?
No, roofers are not legally required to need any specific licenses in order to do their job.
However, having proper qualification and getting as much experience can only benefit roofers, improving their employability and reputation in the trade.
How do I know if a roofer is reliable?
There’re several things that customers look out for or do before hiring a roofer, to check their credibility. They could check how well-reviewed a roofer is, or ask about qualifications, whether they belong to an association, or their past experience. Roofers being open and honest about their work is a good way to build respect and put a client at ease.
Another big thing that customers can ask about is insurance. If a customer knows that a roofer has public liability insurance, they’re more likely to have peace of mind that any accidents stemming from errors or negligence will come out of their pocket.
Employers Liability Insurance
Liability cover that protects you, your employees, and your business.
It’s essential that you and your business are ready when the unexpected happens. Look no further than Howden’s employers’ liability insurance.
Public Liability Insurance
Public Liability Insurance you can trust
Look no further than an insurance broker for essential protection against third-party damage and injuries.
Professional Indemnity Insurance
Professional indemnity cover that backs your business
Sometimes things go wrong in business, and that’s normal, but you need reliable professional indemnity insurance to help soften the blow.