Written by Michael Foote, Insurance Expert
The Risks Go Higher Than You Think
As a roofer, you work at height, deal with heavy materials, and often operate in unpredictable weather. A single incident, e.g. a tile falling onto a car or a customer tripping over your tools can result in claims. While public liability insurance might cover these events, it won’t protect every part of your business.
What Public Liability Covers – and What It Doesn’t
Public liability insurance is designed to cover injury or property damage to third parties. It can protect you if:
- A passer-by is hurt by falling debris
- You accidentally damage a client’s roof or guttering
- A customer trips over your ladder and sues for injury
But it won’t cover:
- Injury to you or your team
- Damage to your own tools or van
- Faulty workmanship claims
- Legal defence for contract disputes
Why Employers’ Liability Might Be Legally Required
If you employ even one person, part-time or full-time, you are legally required to have employers’ liability insurance. This covers claims from staff who are injured or fall ill as a result of working for you. Without it, you could face fines of up to £2,500 per day.
Learn more about employers’ liability cover here
Tools, Equipment, and Vehicles Aren’t Always Included
Your public liability policy won’t cover loss or theft of tools, damage to your work van, or accidents involving vehicles, even if you’re driving between jobs. If your tools were stolen overnight, would you be able to continue trading the next day?
Consider a more complete business insurance policy that includes tool cover and vehicle protection to keep work on track.
Roofing Clients Are Getting Smarter
Some clients, especially larger commercial ones, now ask for proof of cover before agreeing to a job. And increasingly, they’re looking for more than just public liability. Having wider protection in place could help you win contracts and build trust with new customers.
In Summary
Relying on public liability alone could leave your business exposed. Whether you’re working solo or managing a team, it’s worth considering a tailored insurance policy built around your trade.
For a policy that reflects the real risks you face, explore our roofers insurance page to compare quotes from trusted providers.