Roofers Insurance

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.

For more information or a free quotation please contact us on 0118 979 2121.

You may be a large Roofing Contractor Company or a Sole Trader working from site to site. Whatever the size of your business, BJP can identify your individual needs and find you an insurance plan that’s right for you.

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.

We’re a highly-rated, independent insurance broker whose reputation has been built on finding high quality, personal solutions for our clients. 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 tradesman 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:

• Employers Liability
• Public Liability
• Contractors All Risks (Including the Contract Works)
• Tools / Own Plant / Hired in Plant

Employer’s Liability Insurance.

If an employee – whether full-time, contracted or casual – were to injure themselves on site and decide to take legal action, you could face huge compensation costs. Employers Liability covers you against lawsuits arising from within your own business.

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.

Roofers Public Liability Insurance.

In recent years there’s been an increase in the number of individuals seeking compensation arising from Building professionals acting negligently. In fact, lawyers actively seek clients – and builders can be an easy target. If your business were sued, Public Liability cover would cover your legal fees as well as the damages awarded. What’s more, you can extend this cover to include Product Liability Insurance, which covers you against claims arising from any products you supply.

Contract Works/Contractors All Risks Insurance.

This insurance covers the cost of physical loss or damage to building work, and can be extended to include own plant, hired-in plant and employee’s tools. Because building jobs typically involve contracts, this is an important type of insurance for builders.

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
• Legal Expenses
• Professional Indemnity Insurance
• Directors & Officers Liability 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.

For more information or a free quotation please contact us on 0118 979 2121.