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"I chose Primo to arrange my insurance because of their attention to detail."

At Primo, we like all our clients to feel this way

Roofers' Insurance

Your Roofing Business, Fully Insured: No Height Restrictions, Heatwork Optional

Our Roofers Insurance is crafted explicitly for roofing contractors, regardless of whether they work with heat, face height challenges, or both. Protect your business and employees with our comprehensive cover options, including general liability, workers' compensation, and property damage. We ensure competitive premiums through partnerships with A-rated UK insurers. Get a free quote today and discover how Primo can safeguard your roofing business.

High-Risk Trades Insurance

Roofing contractors' insurance is now accessible with competitively priced premiums that do not compromise essential coverage. We specialise in arranging insurance for contractors dealing with heat, asbestos risks, and projects of unlimited height.
Roofing inherently involves risks such as working at heights, adverse weather conditions, and exposure to heat. Insurance protection is crucial for your business's financial security and legal compliance. Our experienced brokers understand these challenges and meticulously tailor liability policies to suit the unique needs of every roofing contractor, regardless of their business size.

Competitive Cover and Costs

Our strong relationships with specialist UK underwriters who are well-versed in construction and contractor trades allow us to secure highly competitive premiums for roofers. When requesting a quote, simply provide accurate information about your work processes, including whether you work with heat, and our brokers will ensure that you receive a precise coverage proposal that meets your specific requirements.

Advantages of Working with a Professional Primo Insurance Broker

  • Expertise: Professional insurance brokers have in-depth knowledge of the insurance market, regulations, and industry-specific risks. They can navigate complex insurance policies and offer tailored solutions.
  • Choice: Brokers work with multiple insurers, giving you access to various coverage options and ensuring you get the best value for your insurance needs.
  • Customisation: Our brokers recognise that every business is unique. They take the time to understand your specific risks and can tailor insurance policies to address them, making you feel valued and understood.
  • Claims Support: In the event of a claim, our brokers act as your advocate, providing you with support throughout the claims process. This ensures a fair and timely resolution, making you feel secure and protected.
  • Risk Management: Brokers help you find the right insurance and provide advice on risk management strategies to reduce potential liabilities and improve safety practices.
By partnering with a professional insurance broker, roofing contractors can gain peace of mind knowing they have expert guidance, tailored coverage, and ongoing support for their insurance needs.

Cover Options

Click a listed cover option for more information such as why you may or may not need this extra cover.

Discounts

Roofers who have any of the following will benefit from our current market discounts.
  • Claims Free Discount Up To 7 Years
  • Number of Years Established
  • Members Of A Trade Association
  • Focus On New Build
  • PDH Bias Business
  • Good Health & Safety Processes

Free Programme

Our most competitive insurer currently offers all our clients a FREE online H&S/risk management programme worth £250+ which includes risk assessments/method statements, templates, H&S advice, HR advice amongst many other benefits.
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Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.

Roofers Insurance FAQ: Protect Your Roofing Business with Comprehensive Cover | Primo

  • What is UK Roofers Insurance, and why is it important for roofing businesses?

    UK Roofers Insurance is a specialised insurance policy designed to protect roofing contractors and businesses from various risks associated with roofing projects. It is crucial for financial protection and legal compliance.
  • What are the core components of UK Roofers Insurance?

    The core components typically include public liability insurance, employers' liability insurance, tools and equipment insurance, contract works insurance, and optional coverages such as professional indemnity insurance and business interruption insurance.
  • Is public liability insurance mandatory for UK roofing businesses?

    Yes, public liability insurance is often mandatory for roofing businesses as it provides protection against claims from third parties for injury or property damage caused during roofing activities.
  • What does employers' liability insurance cover for UK roofing businesses?

    Employers' liability insurance covers claims from employees for work-related injuries or illnesses. It is a legal requirement for businesses with employees in the UK.
  • Does UK Roofers Insurance cover damage to client property during roofing projects?

    Yes, contract works insurance under Roofers Insurance typically covers damage to client property during roofing projects, including accidental damage, fire, theft, and vandalism.
  • Are tools and equipment covered under UK Roofers Insurance policies?

    Yes, tools and equipment insurance is an essential component of Roofers Insurance, protecting against damage, theft, or loss of roofing tools, machinery, and equipment.
  • What is professional indemnity insurance (PI), and do roofers need it?

    Professional indemnity insurance covers claims of professional negligence, errors, or omissions in roofing advice or services. Roofers providing design or consultancy services may benefit from PI insurance.
  • Can subcontractors be covered under UK Roofers Insurance policies?

    Yes, subcontractors can often be covered under Roofers Insurance policies, but it's essential to review policy terms and ensure proper coverage arrangements with insurers.
  • How can roofing businesses lower insurance premiums without compromising coverage?

    Roofing businesses can lower premiums by implementing safety practices, maintaining equipment, reviewing coverage needs regularly, and working with experienced insurance brokers to find competitive quotes.
  • Does UK Roofers Insurance cover legal expenses for contractual disputes?

    Yes, Roofers Insurance often includes coverage for legal expenses related to contractual disputes, legal actions, or regulatory issues arising from roofing projects.
  • What are common exclusions in Roofers Insurance policies?

    Common exclusions may include intentional damage, wear and tear, faulty workmanship not resulting in damage, and specific high-risk activities not disclosed to insurers.
  • Can Roofers Insurance cover losses due to business interruptions?

    Yes, some policies may include business interruption coverage, providing financial support for lost income, ongoing expenses, and additional costs during project interruptions due to insured perils.
  • Are temporary workers or subcontractors automatically covered under Employers' Liability Insurance?

    Employers' liability insurance typically covers employees, but coverage for temporary workers or subcontractors may vary. Roofing businesses should review policy terms or consult with insurers for proper coverage.
  • What steps should roofing businesses take in the event of an insurance claim?

    In case of a claim, roofing businesses should notify their insurers promptly, document the incident thoroughly, cooperate in the claims assessment process, and seek guidance for timely claim resolution.
  • Does UK Roofers Insurance cover roofing projects involving hazardous materials or elevated risks?

    Yes, many Roofers Insurance policies offer coverage for hazardous materials handling and elevated risks associated with roofing projects, subject to policy terms and conditions.
  • Can roofing businesses add additional coverages to their Roofers Insurance policies?

    Yes, roofing businesses can often add optional coverages such as cyber liability insurance, pollution liability insurance, and excess liability coverage to enhance their insurance protection.
  • What role do insurance brokers play in obtaining UK Roofers Insurance?

    Insurance brokers assist roofing businesses in assessing risks, sourcing quotes, negotiating premiums, reviewing policy terms, and providing ongoing support for claims and policy adjustments.
  • How can roofing businesses ensure they have adequate coverage under UK Roofers Insurance?

    Roofing businesses should work closely with experienced insurance brokers, accurately disclose their business activities, project scopes, and operational risks, and regularly review and update insurance policies to ensure adequate coverage levels.
  • Is it necessary for roofing businesses to have a health and safety program in place to qualify for UK Roofers Insurance?

    Yes, maintaining a robust health and safety program is essential for roofing businesses, not just for insurance eligibility but also for ensuring a safe work environment and reducing risks of accidents or injuries.
  • Can UK Roofers Insurance cover roofing businesses operating in multiple locations or regions?

    Yes, many policies can provide coverage for roofing businesses operating in multiple locations or regions within the UK, subject to policy terms and territorial limits.

Other Insurance For Consideration

Commercial Fleet Insurance

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Comprehensive, third party, fire and theft or third party only cover arranged for your business' vehicles.

Plant and Machinery Insurance

Commercial property insurance headed page on a clipboard with a blue background
Consider adding annual insurance cover for owned or hired-in plant and machinery to your business cover.

Commercial Property Insurance

Clipboard with a sheet of paper titled commercial property insurance
Do you need commercial property insurance in addition to liability cover? We can also arrange as a standalone policy.

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Help with choosing the right cover options for your business.

With so many different policies, cover extensions and options to choose from it pays to have an experienced broker on your side.
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Buildings and Contents

What is Covered? Your buildings, fixtures and fittings: including gates, fences, car parks, as well as underground cables and pipes. It may also include cover for stock and cash on the premises and in some cases it can also provide for seasonal stock increases free of charge.

Business Interruption

If your business needs to close after a disaster like a flood or a fire, perhaps even after a forced entry business interruption insurance covers the shortfall in your business' income.
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Contract Works

Some construction projects you undertake will make you responsible for partially completed work. For instance, you're in the middle of building a house, and a flood destroys the work you have done contract works insurance could cover the cost of redoing that work. Your broker will help you determine the right level of cover needed.
Provides cover for damage to property and also damage or injury to third-parties. Damage to property can include incorrect construction, renovation damage or damage to temporary work on sites. C.A.R. policies are typically taken out by both the contractor and the employer and may have others such as finance companies named in the policy.
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Tools, Materials and Equipment

Often included as part of a contractors insurance policy this covers loss or damage to your roofing contractors' tools, equipment and materials while they are secured on-site.

Plant and Machinery

Cover provided for owned or hired-in plant and machinery for more information please see our full description on plant and machinery cover.
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