• Legal costs and expenses in defending a claim
• Compensation payments for injury to third parties
• Damage to third-party property

You need public liability insurance cover if you are interacting with clients, customers, and other members of the public. For instance if your product or service causes damage to a client’s property, public liability insurance ensures you’re covered for the legal and compensation costs.

A roofer should consider several types of insurance to ensure comprehensive protection:

• Public Liability Insurance: Covers claims made by third parties for injury or property damage.
• Employers Liability Insurance: Required if you have employees, covering claims made by employees for work-related injuries or illnesses.
• Professional Indemnity Insurance: Covers claims made by clients for professional negligence or errors in your work.
• Tools and Equipment Insurance: Protects your tools and equipment against theft, loss, or damage.
• Scaffolding Insurance: Provides additional coverage for risks associated with the use of scaffolding.

The cost of Public Liability Insurance for a roofer can vary based on several factors, including:

• The size and nature of your business
• Your business activities and associated risks
• The level of coverage you require
• Your claims history

To get an accurate quote tailored to your business, contact Insure Smart for a personalised assessment.

Yes, self-employed contractors and roofers should have Public Liability Insurance. It protects you from claims made by clients or third parties for incidents that occur during your work, such as injury or property damage. Having this insurance ensures you are financially protected and enhances your professional reputation.

The cost of Public Liability Insurance for roofing varies depending on:

• The specific risks associated with your roofing activities
• The size and structure of your business
• The level of coverage you need
• Your previous claims history

For a tailored quote that meets your roofing business needs, contact Insure Smart.

While not legally required, Professional Indemnity Insurance is highly recommended for roofers. It covers claims made by clients for professional negligence, errors, or omissions in your work. This insurance is especially important if you provide advice or design services as part of your roofing business, protecting you against potential financial losses from such claims.

We would say all tradesmen and tradeswoman should have this cover. The most common ones are

• Electrician Public Liability Insurance
• Plumber Public Liability Insurance
• Builder Public Liability Insurance
• Joiner Public Liability Insurance
• Heat and gas engineers Public Liability Insurance

Many businesses also require additional types of insurance. 

• Employer Liability: Protects against claims from employees who suffer work-related injuries or illnesses.
• Indemnity Liability: Covers against claims of professional negligence or errors.
• Professional Indemnity Insurance: Ideal for professionals offering advice or services, protecting against claims of malpractice or professional mistakes.
• Cyber Insurance: You may also consider having this coverage to protect you business from the data breach which may affect you or your clients.