Roofers (exc. application of heat) Public Liability Insurance
For quotes in under 5 minutes and as little as £3.99 per month
You’d be crazy not to !!!
As a Roofers (exc. application of heat), you’re often working on pitched and flat roofs with ladders, roof ladders and fixings. Public liability insurance helps protect your business if a third party claims you caused injury or property damage linked to your work.
Quick take: if your work brings you into contact with main contractors, public liability cover helps protect your cashflow when accidents happen.
Key cover areas
- Injury to third parties (clients, visitors, passers‑by).
- Damage to third‑party property (customer premises, neighbouring property, vehicles).
- Legal fees for defending a covered claim (policy terms apply).
- Site access risks (materials, tools, temporary barriers, working at height).
- On‑site and off‑site incidents — including set‑up, pack‑down and day‑to‑day working activities.
Accidents this cover can help with
Example: while working on pitched and flat roofs, a piece of tiles, felt and leadwork or a tool is dropped and damages a client’s property. The customer asks you to pay for repairs and makes a formal claim.
- Injury example: A member of the public trips over your trailing extension lead near the work area and suffers a wrist injury.
- Damage example: You accidentally drill through a concealed pipe, causing a leak that damages a customer’s kitchen ceiling.
- Another common scenario: A ladder slips and cracks a window or dents a parked car on the driveway.
Picking the right limit of indemnity
Choose a limit that matches your contracts and exposure. Working in busy public areas or higher‑value premises often means opting for a higher indemnity limit.
What else might you need?
- Product Liability (If You Supply/Fit Materials) — cover for the job in progress, materials, plant or kit (depending on the cover type).
- Tools & Plant Cover — useful if you rely on specialist equipment to work.
- Product liability — worth considering if you sell or supply products as part of your service.
- Employers’ liability — If you take on labourers, apprentices, or any PAYE staff, you may also need employers’ liability cover alongside public liability.
Ready to compare? Get tailored quotes for Roofers (exc. application of heat) public liability cover in under 5 minutes.