Public liability insurance is imperative for anyone working in the construction industry, not least roofers. It’s no secret that roofers are faced with a unique set of risks every day at work. Not only do they work at height, but roofers are also likely to work with heat, therefore the correct insurance must be in place to protect them against any risks and this cover must reflect the reality of their work.
As well as the perils of working at lofty heights, the possibility of falling is not the only hardship as the work can also prove rather taxing. After a long week of fixing multiple roofs, the last thing you need is to be hit with a compensation claim that could potentially put you out of business. Admittedly, navigating your way through the minefield that is roofer’s insurance can be daunting and exhausting, however, no-where near as hard hitting as if you were to be hit by a claim. Public liability insurance is the core insurance for any business and this will protect your business from injury to third parties as well as any damage to their property caused by your work. It will also protect you from any claims made against you from members of the party or any other third party whereby they have been hurt by work relating to your business.
Hazardous Nature of Roofing
When on the lookout for insurance as a roofer, roofers public liability insurance is a necessity as this will protect your business from a wide range of accidents and should a claim be made, costs incurred will be kept to a minimum. Due to the risky nature of roofing, public liability insurance will protect you from situations such as damage to a client or neighbour’s property whilst slating a roof, accidental damage to your client’s vehicle or property from a falling roof tile whilst you’re working, or injury caused to a client or member of the public if they have tripped over your tools or roofing materials.
In summary, public liability insurance for roofers will protect your customers and anyone else not related to the business but may suffer from work relating to the business. This doesn’t refer to the employees of the roofing business but customers and their properties, as well as any bystanders. The insurance will cover the cost of any compensation that may arise from such an incident, such injuries can be lethal and if you are to be held responsible, the finances of your business will be protected with good public liability insurance cover. In addition, most jobs will require you to provide evidence of such insurance before you begin work.