Roofing contractors face a unique set of risks, from working at height and fire exposure to managing subcontractors and site safety. Standard cover may not go far enough. Our free guide outlines the core protections needed under a Contractors Combined policy built for roofing businesses.
Executive Summary
This one-page guide explains the key components of a Contractors Combined Insurance policy tailored for roofing contractors, where the risks are high and attention to detail is critical.
Recommended cover includes:
-
Public liability: Protection for third-party injury or damage, particularly important due to height and fire risks
-
Employers’ liability: Legally required if you have employees or labour-only subcontractors
-
Contract works: Covers materials and work in progress in the event of damage, theft, or weather disruption
-
Own and hired-in plant and tools: Includes mobile access equipment and power tools
-
Professional indemnity: For those providing design advice or planning input
-
Optional extensions: Can include cover for hot works, height limits, waste removal, and legal expenses
Why this is essential:
-
Roofing work carries higher liability due to increased accident potential
-
Insurers may impose special conditions or require accurate disclosures around height, heat, and materials
-
Tailoring your cover to reflect your specific operations can reduce premiums and claims issues
This guide is ideal for roofing contractors reviewing their current insurance or starting a new policy.
Subscribe to our newsletter to receive all our latest insights