Insurance For Roofing Contractors
- Trusted By Over 180,000 Small Businesses
- Public Liability and Tool cover
- No Paperwork, No Hassles, No Worries
Why do Roofing Contractors Need Insurance?
Roofing contractors help property owners fix and maintain one of the most important parts of their home or business. Your customers no doubt value your skills and hard work. They can rest easy knowing that their property’s roof will be well looked after with your help.
You give your customers peace of mind, so why not get some for yourself? Insurance for roofing contractors is one way to protect your business from everyday risks that roofers often face.
As a roofer, there are dozens of things that could go wrong on the job. Accidentally damaging a customer’s property, breaking a tool, or a nasty fall—just to name a few—could all create problems for your small business. Insurance for roofers could help you get back to work with little delay.
Roofing contractor insurance could also help you win new contracts. Many commercial clients will not work with contractors who do not have their own insurance. Some forms of insurance may even be required for roofers in some states and territories.
Did you Know?
A Business Insurance* package could help you address the unique risks your roofing business faces in a way that’s convenient and affordable. Roofing contractors can select different coverages to protect against business interruptions, theft or damage to tools of the trade, tax audits, and more!
What Insurance do Roofing Contractors need?
Roofers may consider many types of insurance cover to protect their small businesses. Depending on your business’ needs, you might think about getting:
Public Liability Insurance*
For many roofing contractors, Public Liability is an essential type of insurance for their business.
Public Liability insurance covers you if a third party claims that your negligent business activities caused them injury or property damage. A third party could be anyone who interacts with your business or employees, such as a customer, supplier, or delivery person. Public Liability coverage includes defence cost cover.
Accidents happen, even if you are working carefully and following safety measures. Something as simple as a homeowner tripping over your toolbox could cause an expensive injury lawsuit for your roofing business. And accidentally damaging someone else’s belongings (including other tradies you meet on the job) might also create a costly claim that you must pay for.
Public Liability insurance helps create a financial safety net so that accidents like these and others don’t put you out of business. Instead of opening your own wallet to pay, your policy could take care of these expenses for you.
Portable Equipment insurance*
Protecting tools and equipment is another important consideration for roofing contractors.
Portable Equipment (or general property) insurance can cover specified items such as tools, business equipment or electronic items, or unspecified items of lower value. Your policy will cover loss or theft, as well as some damage (excluding normal wear and tear and other natural processes).
Could you make it through the day without your tools? Probably not! Needing to replace the contents of your toolbox would likely create more than just a headache. It could cost you hundreds, if not thousands, of dollars to replace even just a few of your necessary tools. And if you don’t have that sort of cash on hand, you could be left with credit card debt or project delays as you figure out how to pay for replacements.
Portable Equipment insurance could remove that worry from your shoulders. Your policy would cover the tools you need for roofing work but also the equipment needed for the day-to-day running of your business, such as your smartphone or laptop.
Personal Accident & Illness Insurance*
Protecting your physical health may be an important consideration as a roofer.
Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work because of an unexpected injury or illness (even if it occurs outside of your employment).
Roofing is physical work, with lots of climbing, lifting, and carrying. A serious illness or injury could greatly impact your ability to do your job. Personal Accident and Illness cover helps you continue to pay the bills by replacing lost income while you recover or if you become permanently disabled. It could also provide a death benefit to your family should you pass away.
Importantly, Personal Accident and Illness insurance protects you both on and off the job. It could help provide you with peace of mind while you work and play!
Business Insurance*
A Business Insurance package is a convenient way to help roofing contractors protect their small businesses.
Business Insurance is an insurance package created to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass, and loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
As a business owner, there are many risks that you may face. Finding separate insurance policies for all of them may not be practical or affordable. Business Insurance combines different types of coverage into one convenient package. You can customise your package to include insurance protections that suit your business needs and the way you work.
Things to Consider When Choosing Roofers Insurance
Your roofing contractor business is unique, and you may consider different types of insurance to protect it. Factors that may impact your decision might include:
- If you or your employees regularly interact with customers, suppliers, or other members of the public (either in their home or workplace, in your offices or workspace, or at a third-party location)
- The cost of repairing or replacing your tools and other equipment if they are damaged or stolen
- Your ability to pay the bills if you are unable to work temporarily or permanently
- If you rent or own a commercial workspace that needs to be protected from fire, storm, accidental damage, or other events
- How an unexpected business interruption might affect your business finances, such as paying ongoing bills and your employees until you can restart work
Getting the Right Insurance for Roofing Contractors
Public Liability Australia is here to help busy roofers protect their small businesses. You can easily create a safety net for your livelihood with policies such as Public Liability insurance, Portable Equipment cover, Personal Accident & Illness insurance, and more.
No two roofing businesses are the same, which is why we have coverage options that address a variety of risks.
Protecting yourself as a roofing contractor has never been easier. Comparing multiple quotes from some of Australia’s leading insurers is only a few clicks or a phone call away!
* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
© 2022 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769
