Think a roofing business only needs to worry about the next big storm? Think again! 

While severe weather is an obvious hazard,  roofers face a whole range of unexpected risks that can impact your business and livelihood. From costly accidents to unforeseen equipment failures, the risks lurking above your business could lead to devastating financial losses. These dangers can strike at any time, leaving you exposed to costly damages and potential lawsuits.

Don’t let these hidden risks take you by surprise.  Read on to discover the unexpected dangers facing roofers and why having the right roofing insurance policy is like having a much-needed safety net for your business.

List of Some Unexpected Risks

Every roofer knows these risks are a reality. Taking a hard look at this list can help you understand these dangers is the first step toward protecting yourself, your employees, and your livelihood: 

  • Falls from Height
  • Falling Objects and Liability
  • Fire and Roofing Work
  • Workmanship Disputes
  • Unexpected Equipment Breakdown
  • Employee Injury
  • Heat Stress and Dehydration
  • Theft of Tools and Materials
  • Unforeseen Weather Events
  • Environmental Hazards

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roofing insurance 5Falling Objects and Liability

One slip, a gust of wind, or a momentarily forgotten tool can transform your worksite into a danger zone.  A falling hammer might dent a customer’s car, loose shingles could shatter a window, or worse, a worker or bystander could be seriously injured.

These scenarios aren’t just a headache; they expose your roofing business to potentially devastating liability claims. Medical bills, property repair costs, and legal expenses can quickly add up, threatening your company’s financial stability.

How Roofing Liability Insurance Mitigates This Risk

This is where comprehensive roofing liability insurance becomes vital. This type of coverage offers financial protection in the following ways:

  • Property Damage: If falling objects from your job site damage a client’s property or neighbouring properties, your insurance can cover the repair or replacement costs.
  • Bodily Injury: Should a falling object injure someone not working on the roof, your liability insurance can help pay for their medical expenses, lost income, and pain and suffering.
  • Legal Defence: If a liability lawsuit is filed against your business, your insurance can cover your legal defence costs, up to the policy limits.

Public liability for roofers is a critical component of your insurance portfolio, offering financial protection if your work unintentionally causes injury or damage to someone else’s property.

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Is Roof Repair Covered by Home Insurance in Australia 1Fire and Roofing Work

Roofing work often involves the use of open flames, heat guns, and flammable materials like tar and adhesives. This creates an inherent fire risk, potentially putting the structure, your workers, and surrounding properties in danger. A small spark or an unnoticed smoulder can quickly escalate into a major blaze.

The potential for accidental fire caused by roofing work is a serious concern and one that highlights the importance of specialised roofing insurance.

How Certain Policies May Cover Resulting Damages

Not all insurance policies are created equal, so it’s important to choose a policy tailored to the fire hazards faced by roofers. Here’s what to look for:

  • Property Damage: Your policy should cover fire damage to the structure you are working on, any adjacent buildings affected, as well as damage to your own equipment and materials.
  • Bodily Injury: If a fire causes injuries to workers or anyone nearby, your insurance should help cover medical expenses, lost wages, and other associated costs.
  • Business Interruption: In the event of a severe fire, your work may be halted for an extended period. Business interruption coverage can help offset lost income and operational expenses during this downtime.

Insurance is a safety net, but prevention is paramount. Along with having the right policy, roofing businesses must:

  • Enforce strict fire safety protocols on the job site.
  • Properly train workers in fire prevention and the use of fire extinguishers.
  • Regularly inspect equipment for faulty wiring or potential leaks.

Click here to learn more about the importance of public liability insurance for roofing contractors.

Workmanship Disputes

Even the most conscientious roofers can face disputes with clients over the quality of workmanship or adherence to the agreed-upon contract. A customer may feel the roofing materials used are substandard, the installation was not done properly, or the project doesn’t meet their expectations.

These disputes can quickly escalate, leading to costly rework, project delays, and even potential lawsuits. This is where professional indemnity insurance steps in to safeguard your roofing business.

Role of Professional Indemnity within Roofing Contractor Insurance

Professional indemnity insurance (also known as errors and omissions insurance) is designed to protect professionals against claims arising from alleged negligence or errors in their work.  For roofers, this could include:

  • Faulty workmanship: If a client alleges that your work led to leaks or other structural problems, professional indemnity can help cover the rectification costs and any associated damages.
  • Disputes over specifications: If disagreements arise over whether the project aligns with the agreed-upon plans or materials, this insurance can support you during the dispute.
  • Legal defence costs: In the event of a lawsuit related to workmanship issues, your professional indemnity policy can cover your legal defence expenses.

contractor works insurance 2Unexpected Equipment Breakdown: The Cost of Failure and Potential Policy Inclusions

The backbone of any roofing operation is its equipment – from nail guns and lifts to specialised tools and trucks.  But even the most reliable equipment can break down at the most inopportune moment.

A malfunctioning crane can halt a project, a faulty compressor can delay shingle installation, and a broken-down truck can leave your crew stranded.  These unexpected breakdowns translate to lost productivity, project delays, and potential revenue loss.  On top of that, there’s the often-hefty repair bill or the cost of renting replacements.

Potential Policy Inclusions to Mitigate This Risk

Fortunately, some roofing insurance policies offer coverage for certain types of equipment breakdowns. Here’s what to consider:

  • Inland Marine Coverage: This type of insurance can cover damage to your tools and equipment, including breakdowns caused by mechanical failure or electrical issues (check with your insurer for specific details).
  • Business Interruption with Equipment Breakdown: An extension to your main policy, this coverage can help offset lost income if a critical piece of equipment breaks down and forces you to halt work for an extended period.

Roofing is a tough business with a unique set of challenges. Don’t let the unexpected derail your projects, damage your reputation, or drain your hard-earned resources. 

At Tradies365, we understand the risks you face every day.  Let us help you build a custom insurance solution that gives your roofing business the solid foundation it needs to weather any storm. 

Get a free, no-obligation quote today and experience the peace of mind that comes with having the right protection in place.


Note: The material offered here is for informational purposes only. It does not constitute legally binding advice and should not be a substitute for a consultation with an insurance expert.