Written by Michael Foote, Insurance Expert
Understand the Risks of Roofing Work
Roofing is one of the highest-risk trades in construction. Working at height, handling heavy materials and dealing with unpredictable weather all make accidents more likely. That’s why it’s essential to buy tradesmen insurance that properly reflects the hazards roofers face. If your policy is too generic or lacks the right cover, you could be left personally liable if something goes wrong. Even a minor incident could lead to serious financial consequences.
Start with Public Liability and Build from There
Most roofers begin with public liability insurance. This protects you if a member of the public is injured or their property is damaged as a result of your work. It could be a tile falling from height, a tool dropped from scaffolding, or a ladder that slips and cracks a window. Choose a limit that reflects the scale of the jobs you take on. Many roofers opt for at least £2 million. From there, you can add extra covers depending on your setup, such as tool insurance, contract works cover or employers’ liability if you have staff.
Think About How You Transport Your Tools and Team
Roofers often work across different sites, moving tools and materials in vans. If you rely on a vehicle to get to jobs or transport your ladders and gear, make sure you have suitable van insurance. If your van is used by more than one person, look at options for insurance covering multiple drivers. This makes life easier if your team shares a vehicle or you have rotating staff, as anyone on your team can drive it legally without having to update your policy each time.
Don’t Assume Every Policy Covers Roofing
Not all tradesmen insurance policies are suitable for roofers. Some exclude work above a certain height, others won’t cover you if you use heat tools or work on listed buildings. Always check the terms before you buy, especially if you use subcontractors, work on commercial projects or deal with asbestos removal. If your work involves anything outside of standard domestic roofing, talk to a specialist broker, such as the one we work with, who understands roofing risks specifically.
Make Sure Your Quote Reflects the Real Job
When comparing quotes, be honest and detailed about the type of work you do. A roofer who only does flat roofing with no heat tools faces a different risk profile to one who installs slates on pitched roofs or repairs chimneys. Try to avoid tick-box forms that don’t give you a chance to explain your trade properly. Using a panel that understands roofing means you’re more likely to get accurate pricing and useful cover. Visit our guide to roofing insurance costs in the UK, to get an approximation on how much a policy can cost a roofer.
Find the Right Provider
Buying tradesmen insurance isn’t about ticking a box. For roofers, the stakes are higher. You need a policy that’s tailored, reliable and responsive when needed. Our panel can help you find insurance for your roofing firm that includes the right mix of public liability, tool cover and van protection. To get started, click the get quotes button below and request a comparison from insurers who understand your trade.