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Roofer Insurance

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Roofers insurance

Roofing business insurance NZ

Roofers insurance is a specialized insurance package tailored for roofing professionals. It comprises various types of coverage that address the unique challenges and risks that roofers face daily. From property damage to potential accidents on the job, this insurance offers protection against a broad spectrum of unforeseen events, ensuring that roofers can continue their work with peace of mind.

Why is roofing insurance important? 

Imagine a scenario where a roofer accidentally damages a client’s property. Without the right insurance, they’d have to bear the financial burden. Roofers insurance acts as a safety net, protecting professionals from incurring hefty expenses out-of-pocket in the event of accidents, mistakes, or unforeseen circumstances.

In New Zealand, the average cost of roofing insurance typically ranges between $150 – $300 per month. 

It’s crucial to have roofing coverage if your business:

  • Employs multiple staff
  • Uses specialized equipment
  • Works at elevated heights
  • Handles fragile materials

What insurance covers are typically included in roofers insurance? 

Public Liability

This policy covers common roofing business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps roofing businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Tool Insurance

Safeguards your tools against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Employment Disputes

This insurance in NZ covers legal costs and other expenses arising from disagreements between employees and their employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

How much does roofers insurance cost?

Roofing insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Roofers insurance in NZ typically costs between $150 to $300 per month

Who needs roofers insurance?

While anyone in the roofing industry can benefit from roofers insurance, it is especially vital for:

  • Independent roofing contractors
  • Roofing businesses with employees
  • Subcontractors
  • Suppliers delivering roofing materials

While public liability insurance isn’t legally mandatory, many clients and principal contractors demand proof of coverage before entering into a contract. Additionally, if you employ staff, certain covers like employers’ liability insurance are required by law.

Yes, most Roofers insurance packages provide coverage for tools and equipment. However, specifics vary, so it’s essential to read your policy or consult your broker.

How do I get a roofers insurance quote? 

We understand the unique needs of roofers insurance in New Zealand. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive roofers insurance quotes from the top insurers in the country. Entrust us with your requirements, and we’ll ensure you receive the most competitive and tailored coverage options available.

To obtain a roofers insurance quote we may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

How do I get proof of roofers insurance?

You can usually get proof of roofers insurance same day when you purchase insurance through Gerrards.

Acquiring a roofers insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or project. We can typically provide a roofers insurance certificate within 48 hours. 

To obtain insurance coverage promptly, contact one of our roofers insurance brokers. 

What does roofers insurance not cover?

Professional Advice

As a roofer, if you’re giving professional advice (akin to a consultant), and it leads to a loss or injury, standard roofers insurance won’t cover it. However, if your services involve giving such advice, consider Professional Indemnity insurance.

Contractual Liabilities

Sometimes, in business agreements, roofers might take on liabilities that aren’t standard in their line of work. If these liabilities aren’t typical of the roofing profession, the insurance might not cover them.

Intentional Damage

This exclusion is quite straightforward. If damage or injury was caused deliberately by the policyholder or their employees, insurance won’t cover the costs. This ensures people can’t exploit their insurance for malicious or fraudulent purposes.

Other common questions about roofers insurance

This can be tricky. While your direct employees are usually covered, subcontractors often need their own insurance. However, some policies might be extended to cover them. Always clarify this when setting up your policy.

 Tool theft is a concern for many tradespeople. Some roofers insurance policies can include cover for tools, whether they’re at a job site, in transit, or in your vehicle. But, remember, the specifics can vary, so it’s vital to confirm this.

Commercial projects can carry different risks. They might be larger in scale or have different contractual obligations. It’s prudent to check with your insurance broker when taking on commercial jobs.

If you’re thinking of expanding or taking a special project abroad, don’t assume your NZ-based policy will cover you. Discuss with your broker about any international operations.

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