Roofers & Scaffolders
Our roofers and scaffolders insurance protects you, your employees and the general public from the everyday risks that come with working at height.
Roofers and scaffolders run businesses that could involve employees, tools and materials falling from height, causing bodily injury or property damage. So it’s good practice to ensure that you, your employees, your customers and their properties, are properly protected should something go wrong. These occupations involve regular working at height, and roofers could also extend to include the use of heat. These two elements are particularly prone to risks.
Insuring scaffolders or roofers is not as simple as other trades due to the heights and the added risk that it brings. Ensuring you are fully covered is vital. Adler Fairways can arrange covers for your business including public liability insurance, employers liability insurance and additional covers such as tools, plant and contract works. These can be combined into a single policy to provide you with the best value, whether you have a number of employees or are self-employed. As a broker, we can make sure that your policy is bespoke to meet your exact needs.
Roofers and scaffolders policy features*
Roofers and scaffolders insurance is a tailored insurance policy that’s been designed to cover the specific needs of the industry, whether you’re a roofer, scaffolder or both.
Typical features of cover include employers liability. public and products liability, financial loss, professional indemnity, contractors all risks, property, business interruption, money and goods in transit.
Additional features can include:
- No height limit on roofing work undertaken
- Protection against heat damage whilst working
- Non-notifiable asbestos removal
- A dedicated UK in-house claims service
- Free 24-hour helpline service to provide legal advice.
Typical exclusions include:
- Spectator stand erection (only typical for scaffolders)
- Pollution and contamination other than accidental, sudden and unforeseen
- Hazardous locations
- Theft of tools from unattended vehicles
Do roofers and scaffolders legally need insurance?
If you have any employees, including temp workers or contractors, it’s a legal requirement to have employers liability insurance.
Other types of insurance, such as professional indemnity insurance, and public and product liability insurance, aren’t legal requirements however, you might find that cover is needed to satisfy clients and secure contracts. It’s also strongly recommended for roofers and scaffolders to have comprehensive insurance to protect you and/or your business from potentially devastating financial losses, should there be a claim made against you or if you suffer from theft or other unexpected business interruptions.
What types of roofs are covered by roofing contractor insurance?
Our roofing contractor insurance is suitable for contractors who specialise across a wide range of roofing areas such as slating and tiling, flat and felt roofing, industrial sheeting and cladding. It can also provide cover for heritage roofing, lead, zinc and copper roofing as well as green roofing and waterproof coatings.
How much does roofers and scaffolders insurance cost?
The cost of roofers and scaffolders insurance depends on several things, such as whether you offer both roofing and scaffolding services, the level of coverage you choose, the type of the buildings you work on, and your previous claims history. As a broker, our team of experts can make sure that you get the right level of cover for your needs and circumstances.
I’m either a roofer or a scaffolder. Do I need a combined roofers and scaffolders insurance policy?
Adler Fairways is an insurance broker, which means that our policies are completely bespoke to your business needs. Whether you’re strictly a roofer, a scaffolder, or both, we’ll make sure your policy only includes the covers that are relevant to your work, so you’re not paying for anything unnecessary.
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