Roofers Insurance

Who Needs Roofers Insurance?

Roofing is one of the UK's highest-risk trades. Specialist roofers insurance protects your business, your employees, and your clients against the unique liabilities of working at height.

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Residential Roofers

New builds, re-roofs, tile replacements and domestic repairs.

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Commercial & Industrial

Large-scale flat roofing, metal decking, cladding and industrial units.

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Slate & Tile Specialists

Heritage work, leadwork, traditional tiling and listed buildings.

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Flat Roofing & Felting

Asphalt, single-ply, EPDM, liquid applied and torch-on felt systems.

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Roofing Contractors

General building works, extensions, structural alterations and new builds.

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Repair & Maintenance

Emergency leak repairs, guttering, fascia, soffits and moss removal.

What Does Roofers Insurance Cover?

Policies can be tailored to your specific trade, whether you are a sole trader doing domestic repairs or a limited company undertaking large commercial contracts.

  • Public liability insurance
  • Employers liability insurance
  • Contract works (ongoing projects)
  • Own tools and equipment cover
  • Hired-in plant and equipment
  • Hot work and welding cover
  • Thermal spray foam applications
  • Motor fleet and van insurance
  • Legal defence and helpline
  • Underfloor and roof insulation
  • Leadwork and heritage properties
  • Fall from height claims

Roofers Insurance Claims Examples

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Hot work causes a roof fire

A welding torch ignites timber joists during a flat roof project.

Claim amount: £65,000

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Dropped tile damages a conservatory

A heavy tile is knocked off a ladder, smashing a client's glass roof.

Claim amount: £8,500

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Passerby injured by falling debris

A member of the public is struck by falling masonry due to inadequate edge protection.

Claim amount: £42,000

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Storm damages unfinished work

High winds rip off partially installed felt and battens before handover.

Claim amount: £14,000

Why Choose Dixons Insurance?

We take the time to understand your trade and provide clear, independent advice. Our team will help you find the right roofing insurance solution at a competitive price.

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Independent Advice

We are not tied to one insurer, so we can find the right trade cover for your specific roofing activities.

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Specialist Markets

Access to specialist construction and trade insurance providers who understand the risks of working at height.

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Experienced Team

Friendly, experienced advisers who understand commercial and trade insurance risks.

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Ongoing Support

We are here when you need us, from adding new vans to supporting you through a liability claim.

Roofers Insurance FAQs

Do I need Employers Liability Insurance if I am a sole trader?

If you are a genuine sole trader with no employees, you generally don't need it. However, if you use subcontractors, insurers may view them as employees, making this cover essential to protect against injury claims.

Does the policy cover hot work like welding or bitumen boiling?

Standard policies may exclude hot work, but we can arrange cover that includes a hot work permit condition to ensure you are fully protected when using open flames or high heat.

What is "Contract Works" cover?

This protects the roofing materials and the structure you are working on against damage (like fire or storm) before the job is signed off and handed over to the client.

Are my tools covered if they are stolen from my van?

This is possible and our staff will discuss this with you. Tools cover can often be included for items stolen from your van or workshop, though specific conditions apply regarding security and storage. Our team will review your individual circumstances and help you find the right level of cover for your tools and equipment.

Do you cover flat roofing and torch-on felt?

Yes, we can arrange cover for flat roofing systems, including torch-on felt, liquid applied systems, and single-ply membranes, subject to your experience and safety procedures.

Get Specialist Roofers Insurance Advice

Fill in the form below and our experienced team will get back to you with a competitive trade quote.

Prefer to call? Speak to us on 01727 736 970