Some people have a head for heights, others do not. If you are a roofer, you don’t have much choice – your work is almost certain to stand head and shoulders above the crowd.
It is work that helps distinguish you from many other trades, but it is also comes with its own unique risks and perils – whether you are operating as a single-handed sole trader or the employer of your own team of roofers. It is the kind of job where injury or damage to property might happen as the result of the slightest slip or accident – and you might be held responsible for the consequences.
You might be the most careful roofer in the world, but no matter how careful you are, accidents may happen. Roofers’ insurance from constructaquote.com is made to measure and is there to help protect your business, your staff and your livelihood. It doesn’t matter whether you’re a one-man-band or if you have a small business, we’ll find you cover in a matter of minutes.
Why choose contructaquote.com for your roofers insurance?
- We have 25 years’ experience in insuring tradesmen just like you
- We currently arrange some 42,000 insurance policies a year
- Online access gives you sight of your insurance information 24/7
- Our call and service centre is entirely UK-based
Managing your liabilities with roofers’ insurance
Probably some of the most significant elements of roofers’ insurance are the protection they provide against the liabilities you face in your chosen trade.
These liabilities faced by practically any small business are effectively inescapable. What roofers’ insurance is able to do, however, is to prevent the cost of claims which might be made as a result of those liabilities from putting at jeopardy the very existence and financial viability of your business.
Why you might want to protect your public liability
However carefully you are working, however many years of experience you have under your belt, accidents may still happen. The heights at which you are working, the nature of the materials you are likely to be using and the expanse of roofs you are likely to tackle all make your trade potentially dangerous.
Clay tiles, for example, might cause significant injuries and damage over a wide area if they break, slip or fall from any height.
As the roofer concerned, you may be held responsible for any injury or damage caused to your customers, their friends or visitors, neighbours or even general members of the public. Those injuries or damage might happen even after you have completed the job.
If they happen because of some failure on your part to do the job properly, you might be considered to be in breach of what lawyers call your “duty of care” – a general duty to ensure that nothing you do, or fail to do, in your work as a roofer ends up injuring someone else or causing damage to their property.
If this does occur, and you are found to be in breach of that duty of care, you may be ordered to pay the injured party or parties damages. And those damages – especially in the case of personal injury – may be considerable.
For that reason, public liability insurance typically offers a minimum of £1 million indemnity.
The need for employers’ liability insurance is a decision already taken out of your hands
If you employ anyone else to help run your roofing business, you have no choice but to arrange employers’ liability insurance – the Employers’ Liability (Compulsory Insurance) Act of 1969, and its subsequent amendments, requires it.
Not only does the law require that you have such cover, it demands that you have a minimum of £5 million of indemnity. This is so that any employee who successfully argues that their injury or illness has arisen through working for you is assured of receiving the compensation to which they are entitled.
The law makes no two ways about it – you have to have this form of protection in place, and you may be faced with fines of up to £2,500 for every day that you fail to arrange employers’ liability insurance.
Whilst the law requires cover of at least £5 million, the policies we arrange here at constructaquote.com extend to a particularly generous £10 million of cover as standard.
Why you might also want contractors’ all risks insurance
When you are running any kind of roofing business, you are inevitably travelling from one site to another to fulfil a domestic or commercial project.
Essential travel such as this, together with your work itself, runs the risk of valuable tools, equipment and materials being stolen or otherwise lost or damaged. These are likely to be costly to repair or replace.
Contractors’ all risks insurance is designed to safeguard your investment in such items and to provide you the funds necessary for their repair or replacement in the event of theft, loss or damage.
Business van insurance can protect your vehicle itself, ensuring that your roofing business keeps on running smoothly, no matter what happens.