The roofing industry is a niche market with a variety of tasks involved. Coming with that are a variety of risks both for the tradesman and their customers and their property. Which is why it’s important to have the right roofers insurance to cover you if or when accidents occur.
1. Public liability insurance
Working in the roofing industry you have a lot of responsibilities, from roof tiling and sheeting to framework to waterproofing. The more tasks, the more products and the more that can potentially go wrong. A person’s roof is their shelter and if during your work, you happen to cause damage to someone’s property or worse, to someone onsite during your duties, you could be liable for the costs of repairs or expensive medical bills. That’s why all roofers should have public liability insurance for roofers – to will cover you against unfortunate accidents that can occur whilst on the job.
2. Personal accident and illness insurance
As a roofer, the number one risk you face is working at heights. You may also be exposed to hazardous materials in roof fillings and working out in the elements brings with it its own risks. As a small business owner or contractor, if something happens to you, your business is sure to suffer. Personal accident and illness insurance covers you in the event you’re off the job for a significant period due to an injury or illness. And the best part is it doesn’t matter whether you fall off a client’s roof and break your leg or fall off your bicycle and break an arm – personal accident and illness insurance covers you no matter where the injury occurs. This ensures your business bills will be covered and you can maintain your income while you’re out of action.
3. Tools and property insurance
Fixing a roof is pretty difficult without the right tools for the job. Your tools are an integral part of your job. So what would you do if your tools were stolen, or one of your apprentices dropped your circular saw and smashed it? Replacing these tools can be a very expensive exercise, something you just don’t need in the middle of a job. Tools and property insurance covers you against loss, accidental damage or theft of your tools or business property so you can get on with the job, without the cost or hassle.
4. Workers’ Compensation
Workers’ Compensation is a mandatory requirement for all business owners with employees. Employers have a responsibility to ensure the safety of their workers, and that includes having the right cover in place to ensure their medical expenses are covered in the event of an accident on the job, or as a result of their work.
The roofing industry might be rife with risk, but to shelter your business from unfortunate accidents, contact Contractor Cover on 1300 438 268 or get a quote for the insurance cover you need online today.