Insurance for roofers
Protect your business, your equipment and up to 10 employees from the risks associated with working at height, with tailored cover.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
Why choose Superscript for roofers insurance?
We are proud to offer a fully customisable roofing insurance product that can be tailored to perfectly fit your business' needs. Some of the key aspects of our roofers insurance include:
• Working at height is covered up to 15m
• Cover for up to 10 employees (including temporary contractors)
• Designed for both new roof builds and repairs to existing buildings
• Get a 'no claims' discount of up to 25% per 5 years
• Legal and compensation costs are covered in the event of a claim
• Instantly download your policy documents
• 5-star rated support via phone and live chat
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
What covers do roofers need?
Public and product liability (compulsary)
Cover for your legal liability for injury, illness or disease caused to any member of the public and damage to their property occurring a s a result of your work or the products you sell or install. Choose from a £1m, £2m and £5m limit.
Tools cover
This cover protects the tools you use to build or repair roofs, working at height. Your gear is covered against damage and accidental loss, as well as theft from an unattended vehicle. You can choose your limit from:
- £1,250
- £2,500
- £5,000
Included with your tools insurance is cover for goods in transit, which covers the cost of repairing or replacing goods damaged either in, or being loaded or unloaded from your business' vehicle, with a limit of up to £500 for any one occurrence.
Employers' liability
This is a legal requirement for most businesses that employ staff, including temporary and contract staff and covers your liability for the costs of a claim made against the business by a employee. Superscript includes a £10m liability limit as standard.
Contract works cover
This covers damage to both temporary and permanent works that you carry out, including any materials supplied or used in connection with the contract. You can choose your limit from:
- £100,000
- £250,000
- £500,000
Own plant cover
This covers damage to constructional plant tools and equipment that you own, with a choice of limits from:
- £10,000
- £25,000
- £50,000
Hired plant cover
Similarly to own plant cover, this covers damage to constructional plant tools and equipment that you lease from a third party, with a choice of limits from:
- £10,000
- £25,000
- £50,000
Accidental death cover
This cover can pay out up to £10,000 in the event of the accidental death of any insured person caused by a sudden unexpected event following an accident.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Claims examples
Business insurance claims are different for every roofer out there, but here are a few examples of real claims that customers have had to make.
The hand injury
A contractor for a roofing business was cutting slates for a roof repair job and was not wearing appropriate protective gloves of eye wear. Unfortunately they accidentally cut their hands quite significantly and was unable to work for a number of weeks. They made a claim against the business for loss of earnings.
The roofing business’ employers’ liability insurance covered the legal and compensation costs involved in the claim.
The falling tiles
While working at height repairing a customer’s roof, a self-employed roofer accidentally dislodged a small number of tiles that fell down into the garden and broke several concrete slabs on the patio below.
The roofer’s public liability insurance covered the costs involved in replacing the broken slabs to repair the patio.
The stolen van
A roofing specialist kept their tools in their locked van overnight, including a circular saw and an air compressor. At some point after midnight, the van was stolen by a criminal gang. Despite being recovered he next day by the police, the tools had been taken.
The roofer’s tools insurance covered the cost of replacing the stolen equipment so they could continue to complete the jobs they had booked that month.
How do insurance claims work for roofers?
The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.
If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.
Notify us of the claim
Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.
Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything (and we mean anything, even if it may seem trivial to you) which you think may be covered by your insurance.
A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.
We'll get on the case
We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your Superscript claims reference and contact information should you need to speak to us.
We will then reach out to you within 48 hours to request any extra information we need to progress your claim.
We’ll keep you updated on the next steps as the claim progresses.
A decision is made
We’ll let you know if your claim is successful or not. At Superscript, if your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.
Read about the most common reasons claims aren't paid.
If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within 5 working days.
Roofers insurance FAQs
How much does insurance cost for roofers?
This depends on the level and types of cover you choose for your business, which in turn depends on the scale of work you're undertaking and the risks involved. The cost of your policy will vary depending on how large a limit you require.
As a roofer, do I have to get insurance?
Most business insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is a legal requirement for anyone with employees. However, some trade organisations and certain clients will require that you hold adequate public liability insurance as a minimum to gain membership or sign a contract.
Where can I work and be covered by roofers insurance?
Superscript's roofers insurance will cover you for work on the roof of:
• Private dwellings
• Shops
• Offices
• Hotels
• Public houses and restaurants
• Guest houses
• Schools or colleges
• Residential, retirement or nursing homes
Will I be covered for the use of heat equipment?
Unfortunately heat equipment and fixed wood machinery are excluded from your roofers insurance policy.
What does public liability insurance cover for roofers?
Our public liability insurance covers you for the legal and compensation costs in the event that a member of the public is injured (or their property damaged) and this is the fault of the business. As an example, this can include if a member of the public trips and injures themselves on loose cabling from your tools stretched across a pavement, or if you accidentally drop a tool from height and it damages a car below.
Can I insure my specialist tools?
Yes, if you have tools and business equipment cover then your specialist gear (including work phones and laptops) can be insured against loss or damage up to a specified limit. Unfortunately, we cannot cover heat equipment and fixed wood machinery.
What height can I work at and be covered by my insurance?
Superscript's roofer insurance covers you for working at height up to 15 metres. However, even while covered, you should always take all necessary safety precautions for you and your workers when working at any height.
Can I get a no claims discount?
Yes, under Superscript's roofers' insurance, you can enjoy a no claims discount of up to 25% on your premium after 5 years. You can also enjoy a discount based on the number of years your business has been trading.
Can I get cover for my employees?
Yes, Superscript's roofers' insurance covers up to 10 employees in your roofing business.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.