Roofers insurance from Bruce Burke ensures those who erect and repair roof structures for a living aren’t adversely impacted financially by unexpected incidents such as injury or theft.
Why do roofers need insurance?
As trades go there can’t be a more hazardous trade than roofing. The hazards exist from working at height, on temporary structures, sometimes in poor weather conditions. Some roofers work with heat which increases the risk to the building they are working on. So, whether its damage to property or injury to a person, a roofing contractor needs to manage their risks to minimise the likelihood of an accident. In return you want to work with an insurance broker who understands the measures you have taken to make sure that you have an insurance package that is relevant to you and your risks and provides financial protection from legal actions alleging negligence against the policyholder.
The core covers for Roofers are: –
Public Liability
This is also known as third party liability as it covers you against being sued by third parties for damage to property or injury to person caused by yours or your employee’s actions. Indemnity limits are usually between £2 million & £10 million.
Employers Liability
This is a compulsory insurance for any company that has employees or uses labour only sub-contractors. It provides financial protection from being sued by an employee injured at work as a result of the employer’s failure to provide a safe place. The indemnity limit is usually, £10 million.
Optional Extras
Contract Works Insurance
This will cover you for materials on site and all the work that you have competed in the contract. So that if on the day you are due to complete your contract and there was a fire which destroyed your good work the insurance company would pay for your work to be done again.
Available add-ons on a contractor all risk policy from Bruce Burke include: –
Own plant
For any build it is likely that you are going to use some form of plant equipment. Bruce Burke offers a 12 month annual policy for ‘all risks cover’ which includes cover for accidental damage, fire, theft, malicious damage, vandalism, flood, impact, and lightning. A separate road risk policy may be required.
Find out more about Plant here
Hired in plant
In many cases you are liable for any damage or theft to any plant equipment that you are hiring to complete your contracted work. A hired in plant insurance policy covers you with liability insurance under the terms of your hire agreement, to pay compensation for damage to the plant. Find out more about hired plant insurance here.
Tools
You need your tools to work, and if they aren’t available for whatever reason then you face a loss of income. Tools insurance can cover you for the cost of replacing your powered and non-powered tools if they are damaged, misplaced or stolen.
Professional Indemnity
If you are giving advice or designing any roofing structures you may require professional indemnity.
Legal Expenses Insurance
This covers the cost of defending legal claims that could be made against you or your business. It can cover solicitors’ fees, the cost of barristers and expert witnesses, court costs and claimants’ awards in civil cases.
