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From Tools to Tumbles: The Hidden Risks Roofers and Scaffolders Face Daily
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…
RoofersInsurance
Roofers Insurance
Public liability and personal accident cover built for roofers, the trade where working at height is the risk, every single job.
Public liability and personal accident cover built for roofers, the trade where working at height is the risk, every single job.
Falling materialsWater ingressWorking at height
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is roofer insurance?
Roofer insurance is a combination of covers built around working at height, public liability for injury to others or damage below, employers’ liability if you have staff, and tools cover for your equipment. Because you’re on a roof for every job, height risk isn’t occasional here, it’s constant.
Public liability protects other people and their property. It doesn’t cover your own injury if you fall, that’s what personal accident cover is for.
Roofer insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentWeather protection & tarpaulinsFalling debris coverBusiness van insurance (separate policy)
Cover often bought alongside roofer insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Personal Accident
Covers loss of income if a fall or injury stops you working.
Business Contents
Protects materials and equipment kept at a yard or unit.
Tools & Equipment
Covers your tools against theft from the van or site.
What could go wrong on a roofing job?
What could go wrong on a roofing job?
Most roofer claims come from rain getting in while a roof is stripped back, a fall from height, or dropped materials damaging property below.
Most roofer claims come from rain getting in while a roof is stripped back, a fall from height, or dropped materials damaging property below.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
A tool or material falls and injures someone below | Yes, standard public liability | Third-party injury |
Rain gets in while the roof is stripped back | Often, check for weather protection cover | Water damage while work is incomplete |
You fall and are injured | No, needs personal accident cover | Your own injury isn’t a liability claim |
A tile or slate is dislodged by wind after the job | Depends on your policy’s aftercare terms | Check how long cover extends after completion |
Top Tip
A roof left open overnight or over a weekend is exactly when weather damage claims happen. Make sure your policy covers the property while work is incomplete, not just the finished job.
How much does roofer insurance cost?
There’s no fixed price. It depends on the type of roofing you do, whether you have staff, the height and pitch you work at and your claims history.
Type of roofing work
Flat roofing carries different risk to pitched or high-rise work.
Level of cover
Adding personal accident or weather protection increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Height worked at
Higher and steeper roofs affect your risk rating.
Value of your tools
More expensive kit and access equipment means a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get roofer insurance
How to get roofer insurance
Getting roofer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting roofer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The type and height of roofing you do, and whether you have staff.
2
Choose your covers
Public liability, personal accident and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Roofer insurance guides
Roofer insurance guides
Practical advice on cover, height work and staying protected.
Practical advice on cover, height work and staying protected.
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What Happens If a Tile Falls? Real Insurance Claims from Roofing and Scaffolding Jobs
Every roofer understands the importance of working safely at height. Yet even the most experienced tradesperson cannot always prevent accidents.…
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Working at Height, Risk on the Ground: Why Roofers and Scaffolders Need the Right Insurance
Roofing and scaffolding are trades where physical risk is part of the job. From unstable ladders to falling tools, the nature of working at height…
Roofer insurance FAQs
Roofer insurance FAQs
Straight answers on cover, falls, weather damage and cost.
Straight answers on cover, falls, weather damage and cost.
Roofer insurance is a combination of covers built around working at height: public liability for injury to others or property damage, employers’ liability if you have staff, tools cover, and personal accident cover for your own injury.
Still have questions?
Our advisers are here to help you find the right solution.