Insurance for Roofers

Specialist roofing insurance built around the real risks of working at height, exposed sites and occupied properties.

Whether you’re a sole trader or managing multiple roofing teams, we’ll help you secure the right cover to stay compliant, protect your business and meet client requirements with confidence.

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Tailored Cover for UK Trades & Contractors

Rapid Claims Support, 24/7

Transparent Pricing & No Hidden Fees

Insurance for Roofers

Roofing is one of the highest-risk trades in the UK.

Working at height, handling materials in exposed conditions and operating on occupied properties all carry real, day-to-day risk.

A single incident, whether that’s a fall, falling debris or water ingress, can quickly become a costly claim.

Insurance isn’t just protection. In many cases, it’s a requirement to operate.

If you employ anyone, including labour-only subcontractors, employers’ liability insurance is a legal requirement. Without it, fines can reach up to £2,500 per day.

On top of this, most contractors and commercial clients will expect proof of public liability insurance before work begins.

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Our Simple Three-Step Process

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We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Roofing Contractor Insurance

No two roofing businesses carry the same level of risk

It depends on the type of work you take on, the height and complexity of projects and whether you’re working on domestic or commercial sites.

Whether you’re completing repairs, re-roofs or full installations, your insurance should reflect how you actually operate, not a generic policy.

We regularly work with roofing contractors using a mix of employed staff and subcontractors.

One of the most common issues we see is incorrect cover for labour-only subcontractors, who are often treated as employees for insurance purposes.

Getting this wrong can leave you exposed.

We’ll structure your policy properly, so you stay compliant and fully protected.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Roofing Insurance Cover?

Contractors All Risk Insurance

Protects work in progress against events such as fire, storm, theft or accidental damage.

For roofers, this is particularly important. Projects are often exposed to the elements or left incomplete between stages, increasing the risk of damage before handover.

Tools Cover

Covers loss, theft or damage to your tools and roofing equipment.

Tools are frequently left on-site or in vehicles, making them a common target. This ensures you’re not left covering replacement costs yourself.

Commercial Legal Expenses

Covers legal costs linked to disputes, including contract disagreements.

As contracts become more detailed, this type of cover is becoming increasingly valuable.

Supporting Accredited Contractors

We regularly work with contractors accredited by schemes such as:

CHAS

Constructionline

SafeContractor

These schemes often come with specific insurance requirements.

We understand what’s needed and ensure your cover aligns with these standards, so you remain compliant and able to secure work.

Get a Roofing Insurance Quote

If you’re a roofing contractor looking for specialist cover, we can help.

We arrange insurance for sole traders, growing roofing businesses and large contractors across the UK, always built around how you actually work.

Speak to our team today for a tailored quote and clear, practical advice.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is roofing insurance a legal requirement?

Employers’ liability insurance is legally required if you employ staff or labour-only subcontractors.

Other covers, such as public liability and contract works, aren’t legally mandatory, but are often required by clients and contractors.
Can I cover multiple projects at once?

Yes. Policies can be structured to cover multiple roofing projects across different sites at the same time.

For contractors with ongoing work, annual contract works policies are often more cost-effective than arranging cover per project.