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

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Roofers Insurance for UK Roofing Contractors

CHAS Insurance can arrange roofers insurance for roofing contractors, sole traders and roofing businesses across the UK.

From public liability insurance for roofers and employers’ liability to contractors all risk, tools and legal expenses cover, we can arrange roofing insurance around the work you actually undertake, the height you work at and the size of your business.

If you employ anyone, including labour-only subcontractors, employers’ liability insurance is a legal requirement. Without suitable cover, businesses can face fines of up to £2,500 for every day they are uninsured.

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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.

We work with contractors accredited by the following organisations…

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.

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 roofers insurance cover multiple projects and sites at the same time?

Yes. Roofers insurance can be arranged to cover multiple roofing projects and work sites under a single policy, providing continuous protection throughout the year.

This is often a more cost-effective and practical solution for roofing contractors managing several jobs at once, as it removes the need to arrange separate insurance for each individual project. Depending on your requirements, annual contract works insurance can also help protect ongoing roofing work across multiple locations.
Do roofers need public liability insurance?

Public liability insurance is not usually a legal requirement for roofers, but it is strongly recommended. It can protect your business if your work causes injury to a customer or member of the public, or damage to someone else’s property.

Many clients and tender providers will also require proof of roofers public liability insurance before allowing work to begin.
Can I get cover for work above a certain height?

Yes. Roofing insurance can be arranged for work at height, although insurers may apply a maximum height limit to the policy.

The available cover will depend on factors such as the height you work at, the type of roofing projects you undertake and the safety procedures you have in place. It is important to provide accurate information so your policy reflects the full scope of your work.
Can commercial and domestic roofing work be covered together?

Yes. A roofers insurance policy can usually be arranged to cover both domestic and commercial roofing work.

Your insurer will consider a number of factors. This helps ensure your cover is suitable for the range and scale of projects your business undertakes.