Roofing Contractors Insurance

If you have employees or utilise contractors and/or temporary workers for your roofing business, it is a legal requirement to take out employers’ liability insurance. This will cover potential claims from employees that may be injured or fall seriously unwell in the course of their work.

The importance of roofers’ public liability insurance for contracting companies should not be overlooked. This will protect your business if a third party is injured or their property is damaged due to the fault of your company. Roofers’ public liability can be arranged at various sum levels. Most often firms require cover between £1 million and £5 million in protection.

Cover can be arranged for working with heat and at various height limits (including unlimited) depending on your roofing company’s requirements.

Plan Insurance also offers a host of solutions for motor fleet cover that you and your employees will require to drive on UK roads for business purposes.

There are a number of other protections that your firm should consider such as those outlined below. Please ask your account executive for more information.

Employers’ & Public Liability

Goods in Transit

Legal cover – provides assistance to recover uninsured losses such as excess or loss of earnings. We will provide up to £100,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (excluding drink/drug-related offences).

Breakdown cover – your vehicles can be covered in the event of a breakdown, benefits to this cover include:

• Roadside Assistance
• Roadside Start
• 24-hour cover for the whole year (365 days)

Excess Protection – when taking out a policy with Plan, we can offer you excess protection cover as an add on to your policy. If an accident were to happen and there was no responsible third party, then you would be covered by this policy which will reimburse the excess you would pay.

As a specialist roofing company, you know the importance of managing multiple risks. Having suitable roofing contractors insurance in place along with correct, up to date health and safety documentation is vitally important. It will help you minimise risk and any liability that could have a huge impact on your company’s reputation and income.

Whether it’s a flat or pitched roof, repairing a leak, fitting new guttering or replacing a fascia board perhaps even installing a sustainable roof, the chances are you’ve seen it all before multiple times. Our advice services aim to help your firm reduce your exposure by avoiding complacency. We’ll assist with documenting and training through the best practice you’re probably already aware of. Doing so will put you in a very strong position when negotiating with insurers.

Whether it’s a flat or pitched roof,  repairing a leak or restoring a fascia, or perhaps even installing a sustainable roof, the chances are you’ve seen it all.

We offer our roofing business clients bespoke health and safety documents, risk assessments, method statements and much more to help your business prevent avoidable incidents. These additional documents are supplied to you at no extra cost when you take out a policy with Plan Insurance.

Our free services include business continuity templates that can be updated annually. Use them as a guide and keep on top of your business operations. You will also receive regular notifications regarding business legislation changes that are relevant to your roofing firm.

Your expert account executive at Plan Insurance Brokers will complete a thorough fact-find to understand your company’s requirements. This process will reveal any important elements of cover that need to arrange to meet the specific needs of your roofing business.

Amongst many other elements, your cover will be based on your roofing company’s specific trade activities, your number of employees, turnover, if you rent or own your premises (if it’s the latter buildings insurance cover may be needed), the value of your equipment, where it’s stored, and previous claims experience.

Your account executive will guide you through the various options available to your roofing business and proceed based on your preference. Once your policy documents are delivered you should still take the time to fully review them. Careful consideration will make sure that you understand any significant exclusions.

Need more details? Hear more about your roofing business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Plan Insurance Brokers work with an open market of leading providers of insurance for roofing companies. They offer roofers insurance for domestic as well as commercial work at industrial premises.  Your company may wish to mix its trading activity between the two. Your policy will simply be amended to insure your firm is covered for this activity and  up to the required height. Provisions can also be made to protect your roofing company if it wishes to accept contracts to work in higher risk commercial settings such as airports and listed buildings.

Cover will be in place for both worker statuses under your roofing company’s employer’s liability policy. Although, it’s vital that you accurately state the nature of your roof workers employment. This declaration informs how the risk presented by your business risks is evaluated and in turn an appropriate premium is worked out.

Amongst standard covers offered to other allied trades, roofing engineers’ insurance should provide protection against damage and potential or injury caused to third parties involving working at heights, up to a specific limit as stipulated by your policy.

Tailored roofing insurance policies should also be extended to cover risks connected to working with heating equipment such as blowtorches and blowlamps.

Organising insurance for roofers’ public liability and roofing contractors work requires specific knowledge of the elements of cover your business requires. Our strong trading relationships with specialist roofing insurers will provide your company with the appropriate cover available.

With over 30 years’ experience of arranging roofing contractors’ insurance, Plan Insurance Brokers have the required knowledge to understand your business’s insurance needs.

An affordable direct debit facility should be available for your company to spread its insurance payments into multiple instalments. Please ask your account executive for more information.

Roofers insurance can be arranged to cover various roofing activity that involves a wide number of roofing materials and roof types. This may range from the standard pitched tiles to PVC, flat, green, live, fibreglass, thatched and more.