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*51% of customers paid up to £10.83 a month direct debit for a standard public liability insurance policy. MoneySuperMarket data collected between October 2023 and December 2023

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What insurance do roofers need?

Roofing is recognised as one of the most hazardous professions, with government statistics indicating that nearly two-fifths of all construction-related fatal injuries in the 2022/23 period were due to falls from height. Roofers, therefore, need to ensure they are adequately insured.

Key insurance policies for roofers include public liability insurance and employers' liability cover, which are essential. Additionally, insurance for tools and contract works should be considered to protect against potential risks on the job.

For those interested in further safeguarding their business, the following insurance options are available:

How does roofers liability insurance work?

Liability insurance protects you when, for example, someone trips over your equipment or a tile comes loose and hits someone or damages their property. This is when your insurance will come in and cover the cost of any damages, legal fees or compensation that might be due.

If you find yourself in the position of needing to make a claim, all you need to do is make sure you have all your insurance information at hand including your policy number. It will help if you have any pictures or proof of any incidents that occur to help your claim run smoother.


What does roofers public liability insurance cover?

Make sure you pick the right cover to protect you.

  • Tick


    • Public liability insurance for roofers 

    • Employer’s liability insurance

    • Contract works insurance 

  • Cross

    Not covered

    • Business and office equipment (e.g. laptops) 

    • Loss, damage or theft of tools  

    • Any work other than roofing (e.g. fitting bathrooms or garden maintenance)

Jake Edmonds

Our expert says


Roofing and scaffolding work comes with intrinsic risks, making public liability insurance an essential safeguard for professionals in this field. Without adequate coverage, you could face substantial financial burdens from personal injury or property damage claims, potentially threatening the viability of your business. Fortunately, finding the right insurance policy need not be costly or time-consuming. Comparing deals is a straightforward process that can help you secure the necessary protection efficiently.

- Jake Edmonds, Insurance Expert

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