Roofers Public Liability Insurance
Get The Best Roofers Public Liability Insurance Today
When it comes to roofers public liability insurance, we understand the unique risks and challenges faced by those working in the roofing industry.
Whether you’re an independent roofer or managing a larger team, our specialised public liability insurance is designed to provide essential coverage, ensuring your business and livelihood are protected against unforeseen incidents.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Public Liability Insurance for Roofers?
Public liability insurance offers critical protection if a third party is injured or their property is damaged as a result of your roofing work. Roofing is a high-risk occupation, with potential hazards including falls from height, damage to property, and accidents involving heavy materials. A tailored public liability insurance policy for roofers provides financial protection and peace of mind, safeguarding your business from costly compensation claims and legal fees.
Do You Need Public Liability Insurance if You’re a Roofer?
While public liability insurance is not a legal requirement for roofers in the UK, it is highly recommended. Roofing work carries significant risks, and even with strict safety protocols in place, accidents can still happen. Public liability insurance is a wise investment, offering essential protection against claims that could otherwise pose a serious threat to your business.
Why You Should Consider Public Liability Insurance:
Client Requirements: Many clients, particularly in the construction and property sectors, require proof of public liability insurance before engaging a roofer. Without it, you may miss out on valuable contracts.
Contractor Policies: If you work as a subcontractor, having your own public liability insurance is often a prerequisite for being hired by main contractors or project managers.
Coverage Included in Scaffolding Public Liability Insurance
Financial Protection
Covers legal fees, compensation claims, and other related costs, ensuring your business is protected from financial strain.
Client Confidence
Having public liability insurance reassures clients that you are a responsible professional, increasing your chances of being hired for jobs.
Legal Compliance
While not legally required, many clients and contracts mandate public liability insurance as a condition of work.
What Makes Us Different
We are specialists in the Construction Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.
Business Interruption Insurance For Roofers
If unforeseen circumstances, such as a fire or severe weather, prevent you from operating your roofing business, this insurance compensates for lost profits while your operations are halted.
Professional Indemnity Insurance
This insurance protects against claims if you provide professional advice or make errors that cause financial loss to a client. While less common in roofing, it is essential if you offer consultancy or design services.
Van Insurance
If you use a van for your scaffolding business, van insurance is essential. This coverage protects against accidental injuries, vehicle damage, fire, and theft.
How Much Does Roofers Public Liability Insurance Cost?
The cost of your roofers public liability insurance policy depends on several factors, including:
Business Size: Annual turnover and number of employees.
Level of Cover: The amount of coverage you need.
Location: Higher-risk areas may result in higher premiums.
Claims History: Previous insurance claims can affect costs.
Type of Work: High-risk contracts or large-scale projects may increase premiums.
Factors Influencing the Cost of Roofing Public Liability Insurance
Several factors can influence the overall price of your roofers public liability insurance:
Work Location: Businesses in high-traffic areas or those interacting more frequently with the public are at higher risk.
Number of Staff: More employees increase the likelihood of claims.
Occupation Risks: Trades using complex or dangerous equipment are considered higher risk.
Types and Levels of Cover: More comprehensive coverages increase the policy cost.
Optional Extras: Adding extra coverages not included in the standard policy will affect the cost.
Do Self-Employed Roofers Need Insurance?
Yes, all roofers, whether self-employed or not, should have insurance to protect against potential claims. Public liability insurance is particularly important.
Is Professional Indemnity Insurance Necessary for All Roofers?
If you provide professional advice or design services in addition to your roofing work, professional indemnity insurance may be necessary.
Is Insurance a Legal Requirement for Roofers?
While not all types of insurance are legally required, Employers’ Liability Insurance is mandatory if you have employees. Other coverages, like public liability and professional indemnity, are strongly recommended to protect your business.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Roofers Public Liability Insurance Quote
Get the right Roofers Public Liability Insurance and peace of mind with ABA Insurance. Use our online quote generator to get a personalised quote or contact our expert team for tailored advice.
