Roofing Insurance
On the seldom occasion a rogue tile or tool goes over the edge it can have destructive consequences. If the tool falls and damages property your business is financially liable. If it falls and injures someone, again your business is liable.
It is important that you operate as safely as is possible to guard people and property. If the worst happens you will need roofers public liability insurance in place. You also need to make sure that you are on a specialist roofing insurance policy.
You do not buy the cheapest tools. Do not buy the cheapest insurance. Low end generic roofing insurance products tend to have many ‘get out’ clauses. They are not worth the paper they are written on. It is a false economy.
You also need to be completely honest and disclose all the material facts about your business to be protected. Contact Edison Ives Insurance Solutions today. Or complete our quotation form below.
Roofers Beware!
People slip & trip
If a member of the public hurts themselves on your site it may lead to a roofers public liability insurance claim. If someone working for you slips and hurts themselves, and they tries to obtain compensation, that will come under your Employers Liability roofing insurance.
You will be fined if you do not have Employers Liability insurance
It is important that your staff are protected. Employers Liability insurance is mandatory for any business that has employees, subcontractors, volunteers or anyone working under their direction. You will be fined £2,500 per day for every day you do not have this insurance in place. Make sure your employees are protected. Make sure your business is financially protected. Again, ensure you are on a specialist roofing policy to make sure your employees are protected.
Specialists in roofing insurance
- You may need something called Professional Indemnity. Professional Indemnity (PI) protects you if any claims are made against your business by a client for their financial losses, they incur due to your work or advice. You will need this cover even if it is just ‘alleged’ otherwise the cost of defending yourself will have to be funded by you. This cover is often a separate policy to your standard roofers insurance. It is often missed on standard roofing insurance policies, but we believe it is important cover for you to consider. Roofing liability insurance tends to focus on tangible claims and injuries, whereas Professional Indemnity on the intangible.
- What happens if your tools are lost or stolen? They say a workman is only as good as his tools. Although that’s debatable, finding yourself without your tools or equipment can be a major pain. It becomes more problematic when you also realise that you now must pay to replace all your equipment. We think it is important to insure your businesses tools. It is important to also double check what the conditions are if you keep your tools in your vans overnight. Most insurers are restrictive and often customers think they have cover when they don’t. We check this condition and how you store them. Some insurers need the vans behind locked gates, others do not. Some offer cover whilst staying overnight at hotels. Some do not. We match your insurance requirements with the right insurer.
- What would happen if there was a major incident halfway through a job? This is often overlooked. And often the business assumes that the liability lands with the customer. But if there is a fire or storm or any insured peril halfway through the build then the likelihood is that you are liable. If the build has been completely wrecked, then you will need to consider the cost to source all the materials again and commit to the time to complete the build. Again, standard roofers insurance will not cover this.
- Use a good insurance broker. The average policy wording is 100 pages+. If you are not prepared to read it then a professional insurance broker is essential. They know where to look in policies. They will highlight key conditions. Explain what each cover relates to and are there to make sure you are fully protected. At Edison Ives Insurance Solutions we are roofing insurance specialists, and have access to speciality ‘broker only’ markets.
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Our Clients Rate Us
I was referred to Edison Ives by the British Insurance Brokers Association and Tony was able to find an insurer that reduced my landlord cover from over £1300 to £495. I was over the moon and Tony made it all easy and straightforward. I would have no hesitation in recommending them to others.
As leaseholders we took the rights to manage our own flats. Not knowing anything about what needs to be done, Edison Ives (Tony) was of very good advice and guidance in taking out a building insurance for our flats. Clearly the personalised and trustworthy approach made us decide to work with them (as well as the money they made us save). I would highly recommend them to anyone taking on their rights to manage! Thanks.
I had a lot of problems trying to insure my rental new build flat, these guys were very courteous and solved the problem for me at a good price.
I found Edison Ives while searching for home insurance which would provide cover for a house which shares the property with a home-based boarding kennel business. Tony was able to find me a very competitive package, and walked me through the whole process step by step. Tony could not have done more to help me, and for a new-start business his help and advice was invaluable. Absolutely Five Star!
Customer service exceptional. Thanks to Edison Ives we got a competitive price for our block of flats insurance. Following that we had a claim and Ged helped us with this from start to finish. I would highly recommend.
Really very helpful. After having a claim in 2016, our premiums were extremely high. Edison Ives have found us a higher policy at a cheaper rate that our previous insurers.
Ged gave me comprehensive advice in simple English and I now feel reassured that I have the right cover at the right price. He understands me and my business and is a joy to deal with. Who knew insurance could be fun?!
Very easy to deal with and very professional. So much better than dealing with the massive impersonal call centres, and Edison Ives still came back with a better premium. As with all insurance, it's not the buying but the claims process that's important. I get the feeling that should a claim be necessary they will do everything possible to support.
As the Director and owner of Edmonds Recruitment, it was essential to me to be able to find a trusted insurance partner to help me find the right Business Insurance that worked for me and my industry. I highly recommend using Edison Ives and specifically Tony Suryavansi. He will take the time to listen and answer any questions you may have about your policy and should you need him in the future, Tony makes himself readily available for ongoing advice.
Excellent service. They saved me 100s of pounds on my building insurance policy!
I was really impressed with Edison Ives. They bent over backwards to arrange our business insurance. Nothing was too much trouble for them and they were a pleasure to deal with.
I can highly recommend Edison Ives. They have got me a really good price on my restaurant insurance and been really helpful throughout. Thanks a lot, I'll be moving all my insurance to them this year.
I find insurance documents long, complex and full of jargon. Thankfully Edison Ives' picked out the key points and communicated them clearly.
I had been with my broker for a number of years and I never realised I was paying more than I needed to. Edison Ives went through my existing policy, highlighted that I was under insured, and then they managed to source a new package that provided a lot more cover at a similar price.
We are an independent broker, but also part of Bluefin Network, who are a group of like-minded insurance brokers. This means we can deliver the best of both worlds – Truly independent advice and the freedom to work with the markets we feel are right for you. If you would like to find out more about Edison Ives please click here. If you would like to know what our customers say about us, please click here.