Roofers Insurance
Protect your roofing business against the higher risks of working at height, including third-party injury claims and accidental property damage.
Get in touchWhat is roofers insurance?
Roofers insurance is a specialist trade insurance package that covers the unique risks of working at height on residential and commercial roofs. It typically includes public liability, employers liability and tools cover tailored to roofing contractors.
Roofing is classified as a higher-risk trade by insurers, which means standard tradesperson policies may not provide adequate cover. Falling materials, weather damage and injuries from working at height are all common risks.
Cecil works with insurers who have experience covering roofing contractors, so your policy is priced fairly and does not contain unexpected exclusions.
Public Liability
Covers third-party injury or property damage claims caused by your roofing work.
Employers Liability
Required by law, covering injury and illness claims from your roofing operatives.
Tools and Equipment
Covers your roofing tools, ladders, scaffolding and access equipment.
Products Liability
Covers claims arising from roofing materials you have supplied and installed.
Who needs roofers insurance?
Domestic roofers
Repairing and replacing roofs on residential properties
Commercial roofing contractors
Working on flat roofs, industrial units and commercial buildings
Flat roofing specialists
Installing felt, rubber and GRP flat roofing systems
Slate and tile roofers
Working with traditional pitched roof materials
Roof repair specialists
Carrying out emergency repairs and maintenance
WHY CECIL
Built differently.
Specialist cover for height work
Roofing is rated as higher risk by most insurers. Cecil finds policies from insurers who understand roofing and price the risk fairly rather than loading your premium unnecessarily.
No hidden exclusions
Some general trade policies exclude or restrict cover for working above certain heights. Cecil checks that your roofing work is fully covered before presenting you with a quote.
Quick comparison, fair prices
Tell us about your roofing business and Get options from specialist insurers experienced in covering roofers. You get clear quotes without having to chase brokers.
Claims support for roofing disputes
Roofing claims often involve disputes about workmanship or weather damage. Cecil partners with insurers who have dedicated claims teams experienced in handling roofing issues.
Common questions about roofers insurance
Do roofers need public liability insurance?
Public liability is not legally mandated for self-employed roofers, but it is a practical necessity. Most clients will not hire a roofer without seeing a valid certificate, and the risks of working at height make claims more likely.
What level of public liability do roofers need?
Most roofers carry between £2m and £5m of public liability cover. Commercial contracts frequently require a minimum of £5m.
Does roofers insurance cover storm damage to work in progress?
Some policies include cover for damage to your work caused by storm or adverse weather, but this varies by insurer. It is important to check whether your policy covers work in progress against weather events.
Do I need insurance to work on flat roofs?
Yes, flat roofing carries specific risks, including the use of hot works such as torches for felt roofing. Your policy needs to cover the specific methods you use.
Interested in Roofers insurance?
We will be in contact when Cecil launches.