Roofers & Scaffolders Insurance

What is scaffolding insurance?

Scaffolders regularly work at height, presenting a risk to both themselves and the public. Should the worst happen and a member of the public get injured, you could be on the line for compensation. Whether you’re a sole trader or a large company, scaffolding public liability insurance protects your business in the case of an accident.

Why use scaffolding insurance?

Scaffolding insurance is a form of business liability insurance. Public liability insurance protects you, your business or your contractors in the event of an accident caused by your work, whether on your site or elsewhere. From erecting and checking your scaffolding to site visits with potential customers, scaffolding can present many risks of injury that you could be at fault for.

As with any tradesman, appropriate scaffolding public liability insurance can help your customers be confident working with your company. Specific trade associations may also require it.

What does scaffolding insurance cover?

Scaffolding public liability insurance can usually cover:

• Damage to someone’s property, caused by your work
• Injuries caused by your business activities
• Accidental damage or injury caused by your employees, if you have any

What is roofing insurance?

From large roof jobs on pitched, flat or green roofs to small jobs like fixing a leak, roofing work can present many opportunities for injury and damage. For example, if a roof you’ve worked on is faulty and leaks through, you could be presented with an invoice for the flooring. Furniture and flooring claims can become very expensive, and without the correct level of roofing insurance, you could be left footing the bill.

Why use roofers insurance?

Roofers insurance insurance is a form of business liability insurance. Public liability insurance protects you, your business or your contractors in the event of an accident caused by your work, whether on your site or elsewhere.

Much like scaffolders insurance and any tradesman insurance, appropriate roofers insurance can help your customers be confident working with your company. Specific trade associations may also require it.

What does roofing insurance cover?

Roofing insurance can usually cover:

• Damage caused by you to someone else’s property while you’re carrying out your work as a roofer or as a consequence of your roofing work
• An injury you’ve caused to another person while you’re doing your roofing work, or as a result of your work (public liability insurance)
• Accidental damage or injury caused by your employee (remember, if you employ people, you're required by law to have employers' liability insurance)

How can QuoteRack help?

QuoteRack works closely with insurance brokers who can offer you access to specialised schemes offered by niche insurance companies looking to provide roofers insurance and scaffolders insurance.

Roofers and Scaffolders Insurance - Frequently asked questions

Do roofers and scaffolders need insurance?

Other than holding appropriate employers' liability insurance if you employ any staff, you’re not legally required to hold scaffolders insurance or roofers insurance; however, in the event of an accident, such as damage to property or belongings or injury as a result of your work, your business could be liable for a significant compensation payout. This is especially important for roofers as leaks can cause expensive damage.

How much does roofers and scaffolders insurance cost?

As with any business or tradesman insurance, your quote will depend entirely on your individual business case. Many factors can influence the roofers and scaffolders insurance quote you receive, such as:

• Your annual business turnover
• The level of cover - public and/or employers liability - you require
• The 'working at height' and associated risks you face while at work
• Your age, location, relevant experience and industry qualifications
• Trade association membership
• Previous claims experience

Can I insure my tools?

If you’re a roofer or scaffolder, you’re likely working with expensive tools and replacing them could be met with a hefty price tag. Tools insurance can help in the event of theft, fire, vandalism and flood. If you’re looking to get insurance for your tools, please visit our tools only insurance page.

What other types of insurance should I have?

As roofers or scaffolders, there are plenty of other insurance types that may be beneficial to your business, such as:

• Employee liability insurance: If you employ other staff within your business, you are legally required to hold suitable employee liability insurance to keep your staff protected in the case of injury.
• Tools insurance: In the event your expensive tools are damaged in a fire or flood or even stolen or vandalised.
• Commercial property insurance: If you have a building or office for your business, it would be wise to seek commercial property insurance to protect your business premises in the event of fire, flood or theft.
• Company director life insurance: This allows you to take out life insurance through your company if you’re a company director.
• High risk occupation life insurance: Life cover is available for those with higher exposure to risk through their occupation.

What about my staff or contractors?

If work performed by you or your company results in injury or damage of property, public liability insurance will protect you in the event of legal action or compensation. If a staff member causes damage or injury, your company will only be covered if you also hold sufficient employers’ liability insurance.

Contractors are usually covered by public liability insurance in the event you are overseeing their work. If a claim is made on work they were doing without you present, they would need their own public liability insurance

Enquire through QuoteRack for Roofers and Scaffolders Insurance

If you are looking for roofers insurance or scaffolders insurance, QuoteRack's specialist insurance brokers will help you - just hit the 'Get a Quote' link to complete your details online.