Roofers Business Contractor Insurance
Are you a contractor or sub-contractor and your work involves roofing installation, repair, restoration and maintenance activities?
If your roofing work involves any of the following activities you've come to the SMART place to cover your business activities:
- Installation of roofing sheets or tiles
- Repair of roofing sheets or tiles
- Replacement of roofing sheets or tiles
- Maintenance of roofing sheets or tiles
- Installation ,maintenance , repair of gutters
Insurance requirements for roofers contractor
There are a number of suitable business insurances we may be able to find an affordable quote for you on.
- Public Liability : to cover you against damage to a third person or their property
- Tools : cover you for theft of your tools
- Stock/marine Transit : if applicable to your business, this will cover you for loss or theft of stock
- Personal Accident: cover for you and your family if you hurt yourself
- Commercial Motor: cover for your vehicle which you use for work
The first three business insurances: public liability, tools, and stock may be able to bundled into a "business pack" for affordability and ease of managing.
Your enquiries will be handled quickly, efficiently and cost effectively.
At SMART we aim to treat each of our clients with a friendly and personal touch. Monthly payments are available.
Insurance Markets for Roofers Contractor
We talk to tradies, including roofing contractors all over Australia and provide business insurance quotes for them every working day.
For an affordable quote on suitable insurance cover for your roofing installation, repair,
restoration and maintenance activities TALK to a SMART Business Insurance broker on 1300 542 573 or email us at firstname.lastname@example.org.
1300 542 573
TALK to a SMART Business Insurance adviser
Monday – Friday 8.45 am - 6.00 pm AEST
Insurance for Self-employed roofers contractor
Are you a self-employed roofer looking for suitable business insurance? For public liability , tools, personal accident or commercial motor insurance please call 1300 542 573 for a quote today.
I'm a roofer, what does public liability insurance cover me for ?
As a roofer, public liability insurance may cover you for damage you cause to a third parties person or property.
For example, if in the course of your roofing works, you damage your clients' furniture , destroy part of their home or building , cause some damage to a neighbouring property, or inflict personal harm on your client, visitors, neighbours or passers-by , public liability insurance may cover you. In the most serious cases, public liability insurance may cover you where your roofing business activities result in the death of a person.
Public liability insurance may also be able to assist with paying damages and/or legal fees for any claims made against you as a result of your roofing business activities. There are many instances of claims made against tradies that are sole traders, contractors and small businesses who did not think they were at fault.
I'm at roofer, why do I need public liability insurance ?
It is strongly recommended that NO roofer that is a sole trader, subcontractor or small business operator work without public liability.
As a roofer, without public liability insurance you may personally be responsible for any damage you cause to a third parties person or property.
In the most serious cases, public liability damages can result in millions of dollars of payments; which would bankrupt most roofers that are sole traders, contractors and many trade based small business owners.
The most common trade based public liability cases involving million dollar payouts include serious personal injury to clients, visitors ,neighbours or passer- bys and the destruction of property by fire.
Even with basic public liability insurance claims against roofers, legal bills start in the thousands of dollars, and climb into the tens and even hundreds of thousands of dollars.
A further reason for roofers needing public liability insurance is that in many instances you will NOT be allowed access to a site or permitted to do a job without showing your public liability certificate of currency .
I'm a roofer do I need to declare sub-contractors ?
As a roofer it is essential you declare sub-contractors to your insurance company or insurance broker.
As a roofer, if I hire sub-contractors do they need to have their own public liability insurance? Why?
As a roofer, it is vital that your sub-contractors have their OWN public liability insurance so that they may be covered for any damage they cause to a third parties person or property while sub-contracting to you.
As a contractor they are responsible for any damages they cause .
As a roofer , your public liability policy covers your roofing business .
Each business, including all sub-contractors require their own public liability insurance.
It is recommended that you obtain a current public liability certificate of currency from all sub-contractors that perform work for you.
I am a roofer AND a sole trader. Does workers compensation cover me?
No. If you are a roofer that is also a sole trader workers compensation will NOT cover you.
Workers compensation provides cover for your employees.
As a roofer that is a sole trader you may require income protection or personal accident insurance.
Note: Sole traders may have up to 20 employees