Chemical coating is applied to roofing systems to enhance durability, provide weather resistance, and extend the roof’s lifespan by protecting it from environmental elements and chemical exposure.

This critical process, while beneficial, poses significant risks to both workers and clients due to the hazardous nature of the materials used. Roofing insurance provides comprehensive coverage, including workers’ compensation for on-the-job injuries, liability protection against potential damage to client property, and financial security against unforeseen accidents or claims.

Thus, roofing insurance not only ensures the workers’ well-being but also offers clients peace of mind by mitigating risks associated with chemical coating projects.

Chemical Coating Applications for Roofs: Types and Associated Risks

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Chemical coatings are essential for enhancing the performance and longevity of roofing systems. Different types of chemical roof coatings offer unique benefits and are chosen based on specific needs and conditions.

Below are the main types of chemical roof coatings and their applications, along with the risks they pose to workers and clients.

Acrylic Coatings

Acrylic coatings are water-based and known for their excellent UV resistance and reflectivity, making them ideal for reducing cooling costs in hot climates. They are easy to apply and environmentally friendly.

The application process can expose workers to volatile organic compounds (VOCs) if not properly ventilated, posing health risks. Clients face minimal direct risks, but improper application can lead to premature coating failure.

Elastomeric Coatings

Elastomeric coatings are highly flexible and can stretch to accommodate temperature fluctuations and structural movements. They are typically used on roofs with potential for minor movements or cracks.

The primary risk to workers involves the handling of chemicals that may cause skin and respiratory irritation if protective gear is not used. Clients could be at risk if the flexibility is compromised, leading to leaks and water damage.

Silicone Coatings

Silicone coatings provide superior water resistance and are excellent for roofs exposed to ponding water. They also offer good UV stability.

For workers, the risks include exposure to hazardous fumes during application and the need for specialised safety equipment. Clients may face issues if the coating is not applied uniformly, leading to water infiltration and potential structural damage.

Polyurethane Coatings

Polyurethane coatings are known for their durability and resistance to chemicals and abrasion, making them suitable for industrial applications.

Workers applying polyurethane coatings are at risk of exposure to isocyanates, which can cause severe respiratory problems. Clients need assurance that the coating is properly cured to avoid health hazards and ensure optimal performance.

Bituminous Coatings

Bituminous coatings are made from bitumen and are used for waterproofing and protection against weathering. These coatings are particularly effective on flat roofs.

Workers face risks from inhaling fumes and physical burns due to the hot application process. Clients need to be cautious of potential off-gassing from improperly cured bitumen, which could affect indoor air quality.



Roof insurance coverage is essential for mitigating risks and ensuring the safety of workers and clients during chemical coating applications. Click here to get a free quote if you are in the roof coating business.


Workers need to be cautious while applying these coatings. Here is a blog about common workplace injuries for tradesmen and how to avoid them. If you are a tradie, the article is a must read.

How Roofing Insurance Protects Workers and Clients in Chemical Coating Applications

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Roofing insurance offers comprehensive protection for both workers and clients. The inherent risks associated with applying acrylic, elastomeric, silicone, polyurethane, bituminous or other coatings necessitate robust insurance coverage to mitigate potential financial and legal repercussions.

  1. Workers’ Compensation Insurance: This insurance is crucial for protecting workers who are directly exposed to the hazards of chemical coatings. In the event of injuries such as respiratory issues from VOCs in acrylic coatings or burns from hot bituminous coatings, workers’ compensation provides medical coverage and wage replacement. It ensures that injured workers receive the necessary medical care and financial support during their recovery period.
  2. General Liability Insurance: General liability insurance protects roofing contractors against claims of bodily injury or property damage resulting from coating applications. For instance, if a client’s property is damaged due to improper application of elastomeric or silicone coatings, this insurance covers the cost of repairs or replacements. It also addresses any legal fees and settlements if the client pursues a lawsuit.
  3. Professional Liability Insurance: Also known as errors and omissions insurance, this coverage protects against claims of negligence or inadequate work. If a polyurethane coating fails to cure properly, leading to structural damage, professional liability insurance can cover the costs associated with rectifying the issue and any resulting legal actions.
  4. Product Liability Insurance: This insurance protects against claims arising from defects in the coating products themselves. If a batch of silicone coating is defective and leads to roof leaks or other damages, product liability insurance can cover the costs of repairs, replacements, and any associated legal claims.


If you are in the roofing business, Click here to learn about different types of roofing insurance coverage


The Role of Roofing Contractor Insurance in Chemical Coating Applications

By securing comprehensive roofing contractor insurance, companies can ensure the safety and well-being of their workers while also offering clients peace of mind, knowing that potential damages and legal issues are adequately addressed.

This holistic protection fosters a secure working environment and strengthens client trust, essential for the successful execution of chemical coating projects.

Choosing the Right Roofing Insurance Company for Chemical Coating Applications

The ideal insurer should offer specialised coverage that addresses the unique risks associated with different types of coatings, such as exposure to hazardous chemicals and potential environmental impacts.

It’s essential to look for a company with a strong track record in the roofing and construction industry, one that understands the specific needs and challenges of these trades.

In Australia, Tradies365 is a notable insurance broker, offering tailored insurance solutions for roofers and tradies. Their expertise and focus on the trade sector ensure that clients receive robust coverage and support, mitigating the risks inherent in chemical coating projects.

Protect Your Roofing Business with Tradies365

Ensure your roofing business is fully protected with comprehensive insurance coverage from Tradies365. Our tailored solutions provide essential protection against the unique risks of chemical coating applications.

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Don’t leave your business vulnerable — contact Tradies365 today and secure peace of mind for both your workers and clients.


Click here to get a free personalised insurance quote.



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.