Roofers Insurance
Many jobs can entail danger but being a roofer, in particular, is one of the most precarious jobs of all. Some figures claim that up to 20% of all construction injuries involved someone falling from a height, which roofers are more prone to than most. This is one of the key reasons that you’ll want to look into getting the right insurance sorted out for yourself if you’re a roofer.
If you would like to read more information or learn more about the pricing of business insurance, you can do so here.
Roofers Insurance: Do Roofers Need Insurance
Many jobs can entail danger but being a roofer, in particular, is one of the most precarious jobs of all. Some figures claim that up to 20% of all construction injuries involved someone falling from a height, which roofers are more prone to than most. This is one of the key reasons that you’ll want to look into getting the right insurance sorted out for yourself if you’re a roofer.
What are the Core Policies of Roofers Insurance?
If you are one of the people in this line of work, then we recommend you take a look at a handful of insurance policies. Some of the essentials include employers’ liability insurance, public liability insurance, contract works insurance as well as cover for your tools and equipment. Other options might only be of interest to people with more specific work setups. If you have business premises from which you conduct your work, it will be worth looking into commercial property insurance.
As part of this, it may also be worth looking into business contents insurance to cover the work equipment that you keep in your commercial property. Alternatively, if you run your business from home, it may be wise to look at home office insurance instead. Either way, chances are that you use a van to get to clients’ buildings and transport your tools around. In such cases, you’re going to need to look into van insurance to cover your commercial vehicle.
If the recent COVID pandemic has proven anything, things can go from smooth sailing into complete disruption in just the blink of an eye. When your business is interrupted, that can be seriously worrying for you since you may be unsure about the feasibility of supporting yourself once you’ve been left in the lurch. It’s not likely that a pandemic will do the rounds again anytime soon.
Still, it is just evidence of the fact that it is impossible to be fully prepared for the full range of eventualities that may pop up and interrupt your business. This is why many people look into business interruption insurance so that these instances don’t catch you off guard and leave you in a financially precarious situation.
What Types of Roofers Insurance Are There?
Possibly the most often chosen policy choice for roofers is public liability insurance. This ensures that you’re protected legally and, hopefully, financially should a member of the public get injured because of something that happened with your work and choose to claim against you. This can manifest itself in all sorts of ways. You may have a piece of equipment left out because you still need to use it again, but someone trips over it and hurts themselves. A tile you’re working with may come loose and damage someone’s property or, if things are unlucky, even hits a client or other person.
With the number of hours that you may put into your work over a lifetime, it’s impossible to guarantee that one such small mistake like this never happens. You can be as safe as you want all of the time, but it only takes one moment of tiredness, or perhaps just pure bad luck and something can go wrong. In these instances, public liability insurance has your back. First, it can mean you minimise your time dealing with legal procedures and instead focus on your work.
The chances are that you don’t have the same high level of expertise in the courtroom as you do as a roofer, so spending more time than you need to sort these things out is an inefficient use of your time. Your insurer should provide a person or people who are more well trained to take care of the matter and make sure everyone is efficiently using their time. As well as maximising your time, public liability insurance means that if someone does make a successful claim against you, your insurer should provide the financial support to ensure you don’t end up thrown into economic turmoil.
Last of all is employers’ liability insurance. This is similar to public liability insurance except that it relates to employee incidents. This is legally mandatory in the UK for anyone with employees. People who work as sole traders don’t need to worry about it. However, please don’t get annoyed that it’s legally mandatory for some. It protects both you and your employees, and for that reason, we’d recommend it even if it was optional.
Find out more about the importance of insurance here.
Other useful links about Business Insurance:
Is Professional Indemnity Insurance a Legal Requirement?
How Much Product Liability Insurance Do I Need?
Is Employers’ Liability Insurance a Legal Requirement?
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