The weather doesn’t wait for you.
Commercial insurance for roofing contractors of any size: a single crew on domestic re-roofs, or a firm with a yard and several crews out.
Roofing contractor insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Contract works & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business.
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is roofing contractor insurance?
Roofing is height work with a building open to the weather underneath it. Get caught by rain with the felt off and the damage is inside the property, not on the roof. Add hot works on flat roofs and it’s one of the trades insurers scrutinise most, whatever size you are. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
A building left open
Once the covering is off, the weather is your problem until it’s back on.
The people doing the work
Your own team and any subcontractors you bring in. Both have to be declared.
The days you can’t work
If your yard or store is out of action, jobs stall and the money stops with them.
Who it’s for
Whatever you cover.
✓
Domestic roofers
Re-roofs, repairs and small works on houses.
✓
Commercial roofing contractors
Industrial and commercial roofs at scale.
✓
Flat roofing specialists
Felt, single-ply and liquid systems.
✓
Pitched roofing contractors
Tile, slate and leadwork.
✓
Firms with a materials yard
Tiles, membrane and battens held in stock.
✓
Roofline & cladding installers
Fascia, soffit and rainscreen work.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, including water getting in while the roof is open.
Employers’ liability
Legally required from your first employee, and height work makes it matter more.
Premises & contents
The yard, unit or store you work out of, and everything in it.
Business interruption
If your yard is out of action, jobs stall. This covers the trading you lose.
Contract works & materials
Work in progress and the materials waiting to go on, on site or in the yard.
Tools, plant & equipment
Power tools, access equipment and site kit, on site or in the van.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans, tippers and flatbeds on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by roofing contractors at any size, from a small crew to a firm with a yard and several teams out. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
A building left open
Water getting in while the roof is off is the classic roofing claim.
Hot works
Torch-on felt and hot bitumen get looked at closely, and conditions usually apply.
Working at height
Access arrangements affect how the risk is viewed.
Materials in the yard
Tiles and membrane held in stock are worth more than people think.
Every roof is different.
A domestic re-roof and an industrial flat roof don’t carry the same risk. We ask different questions, and we’ll quote both.
Roofers
Roofing contractors
Domestic re-roofs
Commercial roofing
Flat roofing
Pitched roofing
Tiling & slating
Leadwork
Roofers
Roofing contractors
Domestic re-roofs
Commercial roofing
Flat roofing
Pitched roofing
Tiling & slating
Leadwork
Single-ply
Liquid systems
Torch-on felt
Green roofs
Roofline
Fascia & soffit
Guttering
Roof repairs
Single-ply
Liquid systems
Torch-on felt
Green roofs
Roofline
Fascia & soffit
Guttering
Roof repairs
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
The yard and the crews, before we quote
A small team on domestic re-roofs and a firm running several crews from a yard differ on payroll, plant and the heights they work at. We ask how you operate before we approach anyone.
02
We know it’s a harder trade to place
Height and hot works make roofing harder than most. We present it properly rather than accept a blanket loading.
03
Certificates your contracts will accept
Principals and clients want proof before you start. We turn it round quickly.
04
We present the risk right
Work mix, access arrangements and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your roofing contractor cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
We go through the policy you have now, so you can see what it does and doesn’t cover against the height and hot-works exposure in this trade, the materials you hold in the yard and the work in progress on site.
We point out the terms that catch roofing contractors out most often, hot-works conditions and cover for a building left open with the roof off among them, so you can check yours.
We approach insurers on our panel who write roofing, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Roofing questions, answered straight.
What insurance does a roofing contractor need?
Am I covered if rain gets in while the roof is open?
Does torch-on or hot work affect my cover?
Is roofing harder to insure than other trades?
Can my vehicles go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.