Roofers Insurance

Roofing is physically demanding work. If you’re a sole trader, working director, or contractor without Workers’ Compensation, an injury or illness can take you off the tools and cut off your income.

Personal Accident and Illness insurance gives you financial backup while you recover, so you’re not left draining your savings to keep the lights on.

Roofers take this cover seriously because:

• Falls from roofs, ladders, or scaffolding are among the leading causes of trade injuries
• Some insurers exclude work over a certain height unless it’s declared up front
• Roofing work often leads to strain injuries and long-term wear and tear
• You’re often working alone or in exposed conditions, which makes recovery and return-to-work more complicated without a plan

This policy can include:

• Weekly income payments while you’re temporarily unable to work
• Lump sum payouts for serious injuries or permanent disability
• Optional illness cover, not just accidents
• 24/7 protection, whether you’re on-site, at home, or on the road

At All Trades Cover, we make sure your roofing insurance includes the right Personal Accident and Illness setup. We’ll:

• Ensure height risks and trade details are properly declared
• Help you choose the right waiting and benefit periods for your needs
• Adjust your policy to suit full-time, part-time, or seasonal roofing work

If you’re running the business and working on the roof, this is the cover that protects your income when you can’t.

If you’ve got anyone on the books, even a part-time labourer or apprentice, roofers Workers’ Compensation insurance is a legal must-have. Roofing comes with some of the highest on-site risks, from falls and lifting strain to heat-related illness and exposure over time. 

Without the right setup, even a single claim can drive up your premium or land you with compliance issues.

We help roofing businesses stay covered, compliant, and in control with practical support tailored to how your team works.

Our roofers contractors insurance can include:

• Setting up the right policy for WA and guiding you through requirements in NT and other states
• Making sure roofers, apprentices, and subcontractors are classified correctly for insurance and Workers’ Comp purposes
• Including Principal’s Indemnity for public or commercial projects where the contract demands it
• Helping you prepare accurate wage declarations and understanding who does and doesn’t need to be covered, including working directors
• Lodging claims promptly and helping you report incidents involving height, heat, or physical stress
• Taking care of the insurer paperwork from start to finish, so nothing gets missed
• Coordinating light duties and return-to-work planning to keep your crew supported and your business running
• Actively monitoring complex or long-running claims so they don’t drag out or derail your premium

If you’ve had past claims:

We’ll review your history, identify the root causes, and recommend practical steps to reduce further risk; whether that’s reviewing payroll setup, safety upgrades, or crew training.

If you’re running a clean operation:

We’ll make sure your premium reflects it by negotiating sharper rates and confirming your setup accurately represents the way your business operates.

Business Package insurance gives roofing contractors a simple way to protect tools, materials, and premises under one tailored policy. It’s a smart option if you’re running jobs from a depot, workshop, or home base and want a cover that fits how you operate.

This type of roofing business insurance helps reduce gaps, avoid overlaps, and keep admin low, so you’re not juggling multiple policies or paying for what you don’t need.

Your policy can include:

• Cover for damage to storage areas, sheds, or small offices
• Theft and fire protection for tools, ladders, and materials
• Business interruption cover if work stops due to a covered event
• Optional extras like glass breakage or cash handling
• Public and Products Liability (if not already included)
• Machinery Breakdown or Portable Property for essential gear

If your roofing work includes more than just installation, like reporting on damage, advising on compliance, or recommending materials, you could be liable if something goes wrong. Even if you’re not on the tools, your input can lead to claims.

Professional Indemnity insurance is designed to protect roofing contractors who provide professional advice, documentation, or design input. It responds to claims of financial loss caused by your recommendations, even when there’s no physical damage involved. Public Liability doesn’t cover this, but PI does.

It applies to roof inspections, condition reports, leak assessments, and compliance documentation for builders, councils, engineers, or insurers.

Roofers often need this cover when:

• Recommending roof profiles, drainage solutions, or materials
• Writing storm damage or condition reports
• Providing technical input on scopes, installs, or compliance
• Operating under Design and Construct contracts
• Issuing warranty or certification sign-offs

This insurance can cover:

• Claims tied to incorrect reports, advice, or specifications
• Financial loss suffered by a client due to your input
• Legal defence costs and compensation if you’re found liable
• Errors in compliance advice or planning documentation
• Optional run-off cover if you stop trading, but a past report is challenged

Until the job’s handed over, the risk often sits with you.

If a storm tears sheets off mid-install, tools get stolen overnight, or a fire damages the roof halfway through a re-roof, you could be the one footing the bill.

Contract Works insurance protects your roofing project while it’s still in progress. It covers the value of the works, materials on-site, and your labour if something goes wrong before completion. It’s a vital part of a solid roofing business insurance setup, especially for contractors managing larger jobs or multiple phases.

This cover is critical for:

• Re-roofs, repairs, or partial replacements where work is staged
• New installs on commercial sites with progress-based invoicing
• Projects where you’re liable for the roof until final sign-off or practical completion
• Sites where you’ve already installed materials, but the handover hasn’t happened yet

We tailor your roofing contractor liability insurance to cover:

• Damage to incomplete roofing works from storm, wind, fire, vandalism, or on-site accidents
• Materials and fixings stored or installed before handover, like tiles, metal sheet, or insulation
• Tools and equipment used or left on-site during the build
• Optional extensions for hired-in scaffolding, site fencing, or temporary shelters
• Assistance with declaring project values accurately so you’re not underinsured
• Endorsements that reflect your responsibilities under the contract

We review your contracts, assist with value declarations, and make sure your roofers contractors insurance actually responds when the unexpected hits mid-roof.

Roofing relies on mobile gear: ladders, nail guns, safety harnesses, shears, and roofing tools that move from ute to scaffold to rooftop every day.

If that gear gets stolen or damaged, it doesn’t just cost you money but also delays jobs, breaks contract timelines, and knocks out your crew’s productivity.

Tools and Equipment insurance, also called General Property, protects the tools you rely on, whether they’re in your trailer, on-site, or in transit. It’s a critical part of roofing business insurance that keeps you moving when the unexpected happens.

Why roofers need this cover:

• Tools are often left in utes, site trailers, or on open roofs overnight
• Claims for theft without forced entry are often denied unless set up properly
• High-risk gear like nail guns, battery kits, harnesses, or roof edge protection is expensive to replace
• Shared gear between crews or subbies can complicate claims if not declared correctly

This cover can include:

• Theft from locked vehicles, trailers, job sites, or containers (conditions apply)
• Accidental damage while loading, transporting, or working at height
• Cover for hand tools, cordless gear, cutters, tile lifters, roof ladders, and safety equipment
• Scheduled cover for high-value items like battery kits or multi-trade sets
• Optional extras for open-air storage, loaned tools, or hired-in roofing gear
• Support selecting the right limits, excesses, and proof of ownership standards to avoid payout issues

We’ll help you match your cover to how your roofing business actually operates, not just what a basic policy assumes.

Work vehicles are essential to running a roofing business. If you’re driving a single ute with tools on board or managing a small team across multiple sites, Commercial Motor insurance helps protect your vehicles and keeps your jobs on track.

This cover can be tailored for roofing contractors who rely on vans, trailers, or light trucks to move equipment, materials, and crew between projects.

This insurance typically includes:

• Cover for utes, vans, trailers and other commercial vehicles
• Protection against theft, accidental damage and collisions
• Optional cover for windscreen repair, hire vehicles or tools in transit
• Fleet options for roofing businesses with multiple vehicles
• Easy policy updates as your vehicle setup changes
• Agreed value and finance-compliant policies if required

It’s a smart addition to your overall roofing company insurance and helps minimise downtime if something goes wrong on the road.

If your roofing business runs multiple vehicles, a Motor Fleet policy makes it easier to stay covered without juggling individual policies. It gives you a single point of control for your utes, vans or trucks and helps reduce admin as your team and workload grow.

This cover can include:

• One policy covering all vehicles used in your roofing business
• Accidental damage, theft, and third-party liability
• Optional cover for trailers, windscreens, hire vehicles and tools in transit
• Flexible options to add or remove vehicles as your needs change
• Customised excess and premium structures to manage cash flow
• Agreed value or finance-compliant cover if required

If your roofing business uses machinery like Elevated Work Platforms (EWPs), material hoists, or site-specific plant, Contractor Plant and Machinery cover protects your equipment from theft, damage, fire and even some breakdowns. It applies whether your gear is in use, in transit or stored between jobs.

We’ll include cover for:

• EWPs, scissor lifts, material hoists and roof loading equipment
• Registered and unregistered plant used for roofing work
• Site access, off-road use and transport between locations
• Optional cover for wet or dry hire gear
• Support for floatage, breakdown, and recovery costs if needed

We’ll make sure your roofing equipment is properly listed, valued and scheduled, so you’re covered correctly if something goes wrong.

If you’re a licensed roofing contractor working on residential homes, new builds, or major roof replacements, you may be legally required to hold Builders Warranty Insurance before the job starts. 

 Also known as Home Warranty, Builders Indemnity or Domestic Building insurance, this cover becomes mandatory in most states once the contract reaches a certain value. It protects the homeowner if you are unable to complete the work or fix defects due to death, insolvency or disappearance.

When roofers need this cover:

• Full re-roofs or new roof installations for residential dwellings
• Jobs forming part of a larger renovation or extension project
• Owner-builder contracts where you’re the licensed roofing contractor
• Projects that exceed the relevant contract value threshold in your state (e.g. $16,000+ in VIC or $20,000+ in WA)

What it protects:

• The property owner’s financial loss if the roofing work can’t be completed
• Defects in roofing works, structural and non-structural, if you’re no longer around to fix them
• Roof-related claims involving tile failures, leaks, incorrect flashings, or non-compliant installations

How our team can help:

• Advise on your state-specific licensing and insurance obligations
• Confirm if Builders Warranty is triggered by job value, job type, or licensing requirements
• Handle the policy application, documentation, and compliance setup
• Ensure the cover is issued correctly before deposits or works commence

Running a roofing business means taking on responsibilities that go beyond the job site. Management Liability insurance helps protect you and your company from claims related to business decisions, employment issues, and regulatory breaches.

This cover is designed for directors, business owners, and company managers who want protection from legal and financial risks tied to how the business is run.

Here’s what we can build into the cover:

• Protection for directors and officers against legal action
• Employment practices liability, including unfair dismissal or workplace disputes
• Statutory liability for breaches of WHS, environmental or tax law
• Crime cover for internal or external theft
• Defence costs and investigation expenses

When roofing work stops unexpectedly, your income often stops with it. Business Interruption insurance helps cover lost revenue and ongoing costs if your operations are disrupted due to an insured event like fire, storm damage or equipment loss.

This cover is especially useful for roofing contractors who rely on job continuity and equipment access to keep work moving.

Your cover can be customised to include:

• Lost income during the repair or rebuild period
• Ongoing business expenses such as rent, wages and finance repayments
• Additional costs to get back up and running sooner
• Cover linked to events like fire, storm, vandalism or equipment damage
• Flexible options based on your turnover and operating setup

If your roofing business involves regular interstate travel for quotes, supplier meetings, or managing crews on regional projects, Corporate Travel insurance helps protect you and your team when things don’t go to plan.

This cover applies to business travel, not holidays, and can support company directors, employees or contractors working away from their usual base.

This insurance can include:

• Medical expenses and evacuation while travelling
• Lost or stolen tools, laptops or personal items
• Travel delays, cancellations, and additional accommodation costs
• Rental vehicle excess and emergency transport
• Optional cover for overseas trips, not just domestic

Roofing businesses are increasingly reliant on digital tools, from quoting systems to job scheduling, supplier accounts, and payroll. A cyber attack can lock you out, leak sensitive data, or bring your operations to a halt. Cyber insurance helps cover the cost of recovering quickly.

It’s valuable protection for roofing contractors who store customer details, manage bookings online, or use cloud-based platforms to run the business.

Your cover can extend to:

• Ransomware attacks, data theft, and business email compromise
• Income loss caused by system outages or shutdowns
• Legal liability if client or supplier data is exposed
• Crisis response, forensic IT support, and regulatory notifications
• Optional protection for IT service provider failures or third-party breaches

Tax reviews can happen even when everything’s above board. If your roofing business is selected for a random audit or review by the ATO or another authority, Tax Audit insurance helps cover the professional fees involved in responding.

That includes your accountant’s time, bookkeeping support, and expert advice needed to deal with the process properly, without putting pressure on your cash flow.

This cover typically includes:

• Costs related to ATO audits, reviews or investigations
• Fees for accountants, bookkeepers, or legal support
• Audits covering BAS, payroll, income tax, super and more
• Cover that applies even if no errors are found
• Optional extensions for prior year reviews or director audits

Moving roofing materials, tools or equipment between jobs, states, or suppliers? Marine Transit insurance helps protect goods while they’re in transit, whether by road, rail, air or sea.

This cover is useful for roofing contractors who import materials, ship tools between sites, or transport gear across long distances.

It can protect your business from:

• Damage, theft or loss of goods while in transit
• Roofing materials and equipment being delivered or moved between locations
• Single shipments or ongoing transit cover for regular transport
• Imports of roofing supplies or specialised components
• Optional extensions for loading, unloading, or storage delays