Roofing Services Insurance

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Insurance for roofers and roofing businesses carrying out repairs, maintenance, installation, refurbishment and weatherproofing services.

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Roofing services insurance for repair, maintenance and installation work

Roofing services can involve working at height, public liability, weather exposure, hot works, unfinished work, tools, plant, materials, contract works and subcontractor risks.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Roofing Services

Roofing services insurance is for contractors providing roof repairs, maintenance, installation, refurbishment, weatherproofing, guttering, fascia, soffit, flat roofing, pitched roofing and related roof work.

The policy should reflect the services provided, the height and access methods used, whether hot works are undertaken, the value of materials on site and whether work is domestic, commercial or subcontracted.

Who This Page Is For

  • Roofers, roofing businesses and roofing service contractors.
  • Businesses handling repairs, maintenance, installation, refurbishment and emergency call-outs.
  • Contractors working for homeowners, landlords, managing agents, builders and commercial clients.
  • Teams using ladders, scaffolding, access equipment, heat tools, subcontractors or contract materials.

What Cover Can Include

  • Public liability for injury, falling materials, water ingress, fire allegations and third-party property damage.
  • Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
  • Tools, plant, access equipment, materials, goods in transit and contract works cover.
  • Products liability for supplied roofing materials, membranes, tiles, fixings, trims, adhesives and systems.
  • Commercial vehicle, hired-in plant, business interruption and legal expenses where required.

Roofing Service Risks

Claims can involve falls from height, falling tools or materials, leaks, unfinished roof damage, storm exposure, hot works, damaged skylights, fire allegations, defective materials, subcontractor disputes and damage to occupied premises below the work area.

Roofing services insurance

Insurer Questions

  • What roofing services do you provide?
  • Do you carry out flat roofing, pitched roofing, repairs or maintenance?
  • Do you use heat tools, torch-on systems or other hot works?
  • What maximum height and access methods apply?
  • Do you use subcontractors, scaffolding, hired-in plant or overnight site storage?

Repairs, Maintenance and Call-Outs

Small roofing jobs can still carry major liability exposure if water enters a property, access equipment fails, materials fall or temporary weatherproofing does not hold.

Contract Works and Materials

Roofing materials, unfinished work and temporary weatherproofing can be exposed before completion, so contract works and materials cover should be reviewed alongside liability.

Related Contractor Pages

ROOFING SERVICES INSURANCE FAQS

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What does roofing services insurance cover?

It can include public liability, employers' liability, tools, plant, contract works, materials, goods in transit, commercial vehicle and business interruption depending on the roofing services provided.

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Who is roofing services insurance for?

It is for roofers and roofing businesses carrying out repairs, maintenance, installation, refurbishment, flat roofing, pitched roofing, guttering, fascia, soffit and related roof work.

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What information helps insurers quote?

Insurers usually ask about roofing services provided, height work, hot works, domestic and commercial split, contract values, subcontractors, tools and plant values, turnover and claims history.