When your business has you working at heights in public places it is essential that you ensure that your business is fully protected in the event of a claim with cover such as public liability insurance.
As a high-risk business, you will also want to protect your employees with employer’s liability insurance which is also a legal requirement.
Many insurance companies do not offer insurance to roofers as they deem it as a high-risk profession but there are still some insurance providers that offer cover with a range of options as you can see below.
The table below gives a quick comparison of the UK providers for roofing insurance.
| Company | Minimum cover | Maximum cover |
|---|---|---|
| Aviva | Not stated | £5 million |
| AXA | Not stated | £10 million |
| Direct Line for Business | Not stated | £10 million |
| Lloyds Bank | Not stated | Not stated |
| Covéa | Not stated | £10 million |
| Hiscox | Not stated | £10 million |
| Markel direct | Not stated | £10 million |
| Churchill | Not stated | £10 million |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Note companies are ranked in no particular order and this no way indicates one solution is better than another.
Topics
1. Aviva
Some of the features and benefits of Aviva’s roofing insurance.
- Roofing, Cladding and Scaffolding Contractors Insurance
- Flexible cover
- Public and product liability
- Employer’s liability
- Professional indemnity
- Site fatality cover
- Contract works
- Plant cover
- Financial loss
- Only available through a broker
Aviva offers a wide variety of business insurance products for a broad range of professions and trades as either standalone cover or as tailored combined insurance package. Their range of combined cover includes Roofing, Cladding and Scaffolding Contractors Insurance.
Aviva’s Roofing, Cladding and Scaffolding Contractors Insurance has been designed with no height limit and they say that they will consider any hazardous conditions. They offer discounts to members of the NASC and NRFC but their insurance is available to non-members too. Their cover includes public and product liability at £5 million, employer’s liability at £10 million, professional indemnity, site fatality cover, contract works, plant cover and financial loss.
2. Tradesman Saver
Some of the features and benefits of Tradesman Saver’s roofing insurance.
- Roofers Insurance
- Tailored cover
- Public and products liability
- Financial loss
- Legal expenses
- Accidental death
- Employer’s liability
- Tools and equipment
- Contractors all risks
- Business contents
Tradesman Saver is an insurance provider that offers a wide variety of business insurance products that cover specific professions and trades with combined packages that are tailored to that sector’s needs. Their range of packages includes Roofers Insurance which covers a range of roofing trades such as roof slater, tiling contractor, roof tiler and thatcher.
Tradesman Saver’s Roofers Insurance protects businesses from claims, damage and risks. Their standard cover includes public liability, product liability, financial loss, legal expenses and accidental death. Optional cover includes employer’s liability, tools and equipment cover, contractors all risks, business contents, personal accident and short-term income protection.
3. Touchstone Underwriting Limited
Some of the features and benefits of Touchstone Underwriting Limited’s roofing insurance.
- Roofing and Scaffolding Liability and Construction
- Public liability
- Employer’s liability
- Professional indemnity
- No height limit
- Site death and capital benefits
- Financial loss
- Excess layers available
- Can add contract works and plant cover
- Discounts available to selected trade members
Touchstone Underwriting is a specialist provider of insurance underwriting who caters for niche business sectors and risks that are hard to insure. Their niche product range includes Roofing and Scaffolding Liability and Construction insurance which is designed for businesses with over £1 million annual turnover and has good risk management processes in place. Discounts are offered to NFRC, CORC, NASC, Scaffolders Association (Tier 3), LCA and FTMRC members.
Touchstone Underwriting’s Roofing and Scaffolding Liability and Construction insurance offers broad cover with no height restrictions and allows the use of heat. Their cover includes public liability, employer’s liability, professional indemnity, site death and capital benefits, financial loss and excess layers.
Touchstone Underwriting Limited website
4. Pen Underwriting
Some of the features and benefits of Pen Underwriting’s roofing insurance.
- Roofers and Scaffolders Insurance
- Tailored cover
- Public liability
- Employer’s liability
- Defective workmanship cover
- Covers legal costs
- Financial loss
- Range of optional cover
- Available to a range of businesses in the UK
- Offers discounts to trade association members
Pen Underwriting is a virtual insurer and an insurance underwriter that offers insurance to a variety of business types from SMEs upwards. They offer a variety of insurance products to UK businesses including packaged insurance and high-risk insurance products such as Roofers and Scaffolders Insurance.
Pen Underwriting’s Roofers and Scaffolders Insurance’s basic cover includes up to £5 million public liability insurance and up to £10 million employer’s liability insurance. They offer a range of optional extras which include defective workmanship cover, legal costs, financial loss and excess layer cover. They also offer a range of complementary cover which can be added such as construction insurance.
5. Kerry London
Some of the features and benefits of Kerry London’s roofing insurance.
- Roofers and Scaffolders Insurance
- Specialised cover
- Protect your business against risks
- Public liability
- Employer’s liability
- Contractors all risks
- Professional indemnity
- Personal accident
- Has a range of complementary cover options
- They are experienced in the construction sector
Kerry London is an insurance underwriter and provider who offers a variety of business insurance products, but they specialise in construction and property along with some other sectors. They offer a variety of specialist products such as high-risk insurance including Roofers and Scaffolders Insurance.
Kerry London’s Roofers and Scaffolders Insurance is specialist insurance which offers protection for these high-risk businesses with cover for both employees and the public with public liability and employer’s liability insurance. They will build a policy to suit your needs and you can also add contractors all risks, professional indemnity and personal accident amongst other options.
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