Roofers Insurance

The importance of finding the right Roofers Insurance

Roofing is a high-risk industry where accidents can have serious consequences. Factors such as working at height, the use of heat and exposure to adverse weather conditions can make some insurers nervous about providing the cover you need. 

Whether you’re a sole trader or a large contractor, we can find cover to suit your needs at a competitive premium. Your dedicated Account Manager will carry out a thorough fact-find to ensure we know exactly the type of work you do, your experience in the industry, your health and safety procedures, trade association memberships and more. 

We then work with insurers on a fast turnaround, to provide you with quotes promptly. This will give you the clarity you need to make an informed decision on the right insurance for your business. 

Why deal with BJP for your Roofers Insurance?

• Service – We provide professional, impartial advice to give you the peace of mind you need.
• Experience – We’ve specialised in the Construction sector, including roofing contractors since 1997.
• Qualifications – Our account managers all hold Chartered Insurance Institute professional qualifications.
• Relationships – We have strong relationships with insurers ranging from global firms to niche specialists.
• Claims support – When you need us most, we help you manage and submit your claim to help you get your business back to normal.  

To discuss how we could help your roofing business, contact us or call us on 0345 365 2121 for a quote.  

What insurance cover does your roofing business need?

The exact cover you need will vary depending on the specific nature of your work. Following our fact find, we’ll provide tailored advice to help you make an informed decision as to the cover you need. The cover that roofing businesses typically arrange include:

Public Liability

If a third party – such as a customer or a member of the public – suffers an injury or damage to their property in the course of your work, public liability insurance provides them with compensation. The policy covers the cost of any damages awarded against you, as well as their legal costs. If you need high limits of indemnity for risky projects, high-value sites or local authority contracts, we can arrange limits of £10m or more where required. 

Employer’s Liability

If you employ anyone (including subcontractors) this cover is a legal requirement. If an employee is killed or injured in the course of their work, the policy covers the costs of damages and your legal costs.

Contractors All Risks including Contract Works

This cover protects the cost of any physical damage to your work on a site. It can be extended to cover any plant and machinery that you own or hire in, your employees’ tools as well as temporary site buildings. 

Van or Motor Fleet

If you run company vehicles, we can arrange motor insurance for one vehicle, right through to a full company fleet.  

Tools and Materials

You’ll be aware that theft of tools from vehicles and sites is an increasing risk. Your policy can be extended to cover your tools and materials against theft or accidental damage.  

Personal Accident

If you or one of your employees are killed or injured and unable to work, this cover can provide financial support. Depending on the nature of the injury they could receive a one-off lump sum or recurring payments. 

Legal Expenses

If you find yourself involved in a legal dispute, this cover could help you resolve it. The policy covers legal fees, court costs (and in some instances, the cost of damages) for employment and contract disputes. 

Directors & Officers’ Liability

If you operate as a limited company, a third party could still try to pursue you personally for your actions as a director or senior officer. This is often a very affordable addition to your policy and can provide costs to help defend claims against your personal assets such as your home. 

These are just the core covers that most roofing businesses need, but we can offer a wide range of other options. These could include discovery or removal of asbestos, working with hazardous materials or locations, pollution clean up costs, defective workmanship and many more. We can even arrange your policy for up to 18 months if you need it to cover a specific contract period. 

When it comes to roofing businesses, there is very little we haven’t experienced before. Your dedicated account manager will discuss all your specific needs with you before we start approaching insurers for quotes. 

Contact us through the website or call us on 0345 365 2121 to get started on your quote. 

How we support you in the event of a claim

The true test of any insurance policy comes when you need to make a claim against it. Should you need to claim, we work with you to help you get it processed promptly and accurately. 

You won’t be left to deal directly with the insurers. Our client teams have a detailed understanding of the policy wording and the claims processes for the insurers we work with. We’ll help you at every stage and even assist you with preparing any documentation needed to support your claim.