Business Insurance for Roofers and Roofing Contractors

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Business Insurance for Roofing Contractors*

Risks that can be covered under business insurance for roofing contractors include:

  • 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

Many Roofing Contractors are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Roofing Contractors can access many BIG name insurers AND
industry specific underwriters here.*

Small business owners QUESTIONS regarding
Roofing Contractors Insurance ANSWERED:*

List of business insurances available for roofing business include:

  • 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.

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 contact us online.

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.

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.

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.

As a roofer it is essential you declare sub-contractors to your insurance company or insurance broker.

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.

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

Want guidance on Roofing Contractors coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
Get in Touch:*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.