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From Tools to Tumbles: The Hidden Risks Roofers and Scaffolders Face Daily

roofers

Roofers and scaffolders face a unique set of hazards every day. From slipping tiles to unsecured ladders, the job comes with risks that are not always visible until something goes wrong. Whether self-employed or managing a team, professionals in these trades may benefit from tailored roofer insurance that reflects the challenges of working at height.

The Most Common Risks on Roofing and Scaffolding Jobs

Roofing is physically demanding and exposed to the elements. The risks are not limited to personal injury. In fact, many claims arise from third-party damage and unexpected events, such as:

  • Tiles falling onto vehicles or conservatories below
  • Pedestrians injured by dropped tools or debris
  • Water damage following incomplete roof works
  • Stolen equipment from vans or unsecured sites

Each of these scenarios can result in legal claims, repair costs, or business interruption. The right insurance setup could help reduce the impact of these events.

Key Insurance Covers Roofers and Scaffolders Should Consider

We help roofing and scaffolding professionals find cover that matches their needs. The following types of roofing insurance are commonly sought:

Public Liability Insurance

Public liability insurance is often seen as a core cover. It can assist in covering legal fees or compensation if a third party is injured or property is damaged during your work.

Employers’ Liability Insurance

If you employ others, even on a temporary basis, employers’ liability cover may be a legal requirement. It can support your business in the event of a workplace injury claim from an employee or labourer.

Tools and Equipment Insurance

Ladders, drills, nail guns and tile cutters are valuable assets. If stolen or damaged, this cover could help with replacement costs so you can stay on site and avoid delays.

Contract Works Cover

Roofing and scaffolding work often forms part of larger construction jobs. Contract works cover may offer protection if works in progress are damaged by theft, vandalism or adverse weather.

Personal Accident Insurance

This type of cover can support you financially if you are injured and unable to work for a period. It is particularly useful for sole traders who rely on weekly income.

Sole Traders Are Just as Exposed

A single-person roofing business still faces the same hazards as larger firms. One missed footing or dropped tile could result in a claim that affects your finances and reputation. Even without employees, public liability and tools cover may prove essential in maintaining business continuity.

We support self-employed professionals by helping them find roofer insurance for sole traders that fits their scale and scope of work.

Why Off-the-Shelf Cover Might Not Be Enough

Standard business insurance may not account for the specialist tools and working conditions associated with roofing and scaffolding. Inadequate cover could lead to disputes, exclusions or unexpected out-of-pocket expenses when it matters most.

Working with a broker means you gain access to policies designed for your trade. Whether you are operating domestically or taking on commercial contracts, having the right protections in place could be critical.

Supporting Roofing Professionals Across the UK

We help roofing professionals compare and arrange cover that suits their working environment, tools, and team setup. From new start-ups to established firms, the right roofing insurance policy could help reduce risk, protect income, and build client confidence.