It can be tricky to find roofers insurance, with many insurers unwilling to take on the elevated risks of the trade. But BJP can find you a solution that will bring you peace of mind.
Insurance premiums can be seriously high for those working in the roofing trade due to the significant statistical risks of accidents, both to roofers themselves and third parties. For example, in 2014 the Health and Safety Executive reported 25 work-related fatal slip, trip and fall injuries to members of the public, more than half of which (14) were falls from a height.
In fact, many insurance companies go as far as to avoid insuring roofers altogether.
At BJP we pride ourselves on being able to find insurance solutions for the most difficult situations. Our nearly 20 years of experience have given us strong and trusted links with a range of top quality insurers. We’re confident that we can find you a Roofers Insurance policy that meets your needs, and at a competitive price.
Who needs Roofers Insurance?
Within the construction industry, roofers are one of the most difficult professions to insure. That’s because almost any potential accident is worsened by the factor of height. But for the very same reason, roofers are one of the professions most in need of insurance – so it’s a double bind!
All roofers need insurance, although policies and premiums may differ depending on whether you work with heat or not. Insurance for roofers can be tailored to suit the individual needs of any roofing business. For example, you might be a self-employed tradesman contracted to work on large-scale commercial projects, or specialise in residential roof repairs. You could run a small company with a few long-standing employees; or a much bigger company with a more flexible work force. Whatever the size and focus of your business, BJP can help you find a quality Roofers Insurance policy.
What is Roofers Insurance?
We strive to tailor your Roofers Insurance policy as closely to your needs as possible – so two Roofers Insurance policies might look quite different. However, there are some core covers which are almost always included in any Roofers Insurance policy. These are:
Roofers Public Liability Insurance.
Roofers have a high degree of contact with the public, which increases the risk of accident-related lawsuits. Public Liability Cover will protect you financially against the impact of prosecutions. What’s more, you can extend this cover to include Product Liability Insurance, which covers you against claims arising from any products you supply.
Employer’s Liability Insurance.
This gives you similar protection to Public Liability Insurance, only against claims arising from those working for you (including casual workers, part-time staff and labour only sub-contractors). Employers Liability Insurance is a legal requirement for most businesses in the UK, so being without it could land you in serious trouble, whether a claim is made against you or not.
Personal Accident Insurance.
This is an essential cover for anyone working at height. If you had a fall that resulted in a temporary disability and were unable to work, Personal Accident Cover would ensure you had a replacement income.
Van or Commercial Fleet Insurance.
A vehicle – or fleet of vehicles – is fundamental to any roofing business. BJP can find you competitive quotes to make sure you’re fully covered. This may work out as cheaper if attached to your main insurance plan, even if you’re already insured.
Roofers may also want to consider:
- Tools and Materials Cover
- Contract Works Cover
- Office Insurance
Why compare Roofers Insurance quotes with BJP?
Roofers need an insurance broker who can not only source and compare many different insurance plans, but also help them to interpret the often complicated small print, ensuring that what they’re buying will give real protection in a time of crisis.
With nearly 20 years’ experience in finding solutions for businesses of all sizes, BJP are perfectly placed to find you a quality Roofers Insurance solution to fit your needs.