Roofer & Scaffolder Insurance

Tailored Business Insurance for Roofers and Scaffolders

Roofers and scaffolders work in some of the highest-risk environments in the construction industry. From working at height to operating heavy equipment and handling hazardous materials, roofer and scaffolder insurance can help protect against a wide range of potential risks, including public liability claims, property damage, and personal injury.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Roofer & Scaffolder Insurance?

Access to a wide range of UK insurers who offer cover for high-risk trades
Fast and easy quote comparisons tailored to roofing and scaffolding businesses
Flexible cover options to suit self-employed roofers, subcontractors, or larger firms
Experienced brokers who understand the unique risks of working at height
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What Is Roofer & Scaffolder Insurance?

Roofer and scaffolder insurance is a specialist form of business insurance designed to help protect roofing contractors, scaffolders, and height-based trades from the risks involved in their work.

Who May Need Roofer & Scaffolder Insurance?

Roofer and scaffolder insurance can be essential for:

  • Self-employed roofers
  • Roofing contractors
  • Flat roof specialists
  • Commercial and industrial roofing businesses
  • Scaffolding contractors
  • Domestic, commercial, and site-based scaffolders
  • Height-based trades working on large installations

Whether you work independently or manage a team, roofer and scaffolder insurance can offer tailored protection to suit your projects and your working environment.

 

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What Can Roofer & Scaffolder Insurance Cover?

1. Public Liability Insurance

Public liability insurance can offer cover if a client, third party, or member of the public suffers injury or property damage as a result of your roofing or scaffolding work. For high-risk trades like roofing, this is often the most critical cover.

2. Employers’ Liability Insurance

Employers’ liability insurance can be legally required if you employ staff, apprentices, or subcontractors. It can offer cover if an employee makes a claim for a work-related injury or illness.

3. Tools and Equipment Insurance

Tools insurance can provide protection for hand tools, power tools, scaffolding, ladders, and specialist equipment against theft, accidental damage, or loss. Cover can usually be extended to include tools stored in vans overnight, subject to specific security conditions.

4. Personal Accident Cover

Personal accident insurance can offer financial support if you are unable to work due to injury, helping with potential income loss during your recovery. This can be particularly important for self-employed roofers and scaffolders.

5. Contract Works Cover

Contract works insurance can provide protection for ongoing roofing or scaffolding projects that may be damaged by fire, theft, vandalism, or accidental damage during construction.

FAQs

Public liability insurance is not legally required but is highly recommended due to the high-risk nature of roofing and scaffolding work. Many clients may also require proof of this insurance before awarding contracts.

Yes, tools and equipment can often be covered overnight in vehicles if specific security measures are in place, such as alarms or secure parking.

Employers’ liability insurance is usually required if you employ subcontractors who work under your control or direction.

Yes, but working at height on high-rise or complex buildings should be disclosed to ensure your insurance can cover these specific risks.

Yes, hired-in plant insurance can often be added to help protect rented scaffolding, lifts, or equipment against theft or accidental damage.

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