Compare business insurance quotes with Savvy to find the best policy for your roofing business
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Anyone who works at heights and on roofs knows there’s many risks that come with the job, which is why having good insurance as a roofer is vital. Business insurance can protect you not only from the financial impact of having an accident, but also from claims that your activity caused damage to another person’s property or injured someone.
You can compare quotes for all types of business insurance here with Savvy. Just answer a few simple questions about your business and the insurance you need, and within minutes you’ll have multiple quotes from a range of respected insurers to compare. Use our quick and easy comparison service to make sure you get the best-value insurance for your roofing business today.
There are several different types of business insurance you should consider if you’re a roofer, a roofing contractor, or run a roofing business. These include:
Public liability insurance
Public liability insurance is essential for anyone running a roofing business who has contact with the public or their property. This is particularly important if you’re a roofer working directly on customers’ roofs, as there’s plenty that could go wrong or get accidentally damaged.
Public liability will cover you against claims that your activity caused injury to a third party or damaged their property. This insurance can offer between $5 million and $20 million worth of coverage. It is a compulsory requirement on many building sites and to tender for many contracts.
What it covers:
Portable equipment cover
This form of insurance is available as an add-on for general business insurance and can cover all your tradie tools and portable equipment, including expensive pieces like generators. There are two options available depending on what level of cover you are looking for:
What it covers:
Personal accident and illness insurance
Since you rely on your physical fitness to be able to do your job, taking care of your health should be a high priority for all people who earn a living working with their hands. Accident and sickness insurance can provide cover for you if you become sick and are unable to work, with a weekly replacement income available if you can’t work as a result of an accident or injury.
What it covers:
Optional extras can include:
What isn’t covered under business insurance for a roofer or roofing contractor?
The most common general exclusions include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. There are many factors that influence the cost of business insurance, including the following factors:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another. Therefore, the cost of insurance for one roofing business based in South Australia may be similar to one based in Western Australia.
You can find out how much insurance will cost for your business by comparing quotes right here with Savvy. Whether you need insurance as a tradie working for a roofing business, or as a builder or carpenter, you’ll be able to find a policy which is perfect for your business needs right here.
The risks associated with working at heights are ever-present, and unfortunately, one simple accident or slip can potentially result in very serious injury or even death if you happen to fall from a height. Therefore, it’s vital for all roofers to have good insurance in place to protect not only their income, but also their family in case something does go wrong.
Having accident and sickness insurance in place can offer the peace of mind that comes from knowing your loved ones are protected in case you do have an accident. Most tradies or small businesses have some contingency funds to fall back on, but rarely have sufficient to cover the cost of a major catastrophe. For example, if you suffer a serious spinal injury due to a fall from a great height, the personal injury claim could potentially amount to millions of dollars. If this happens and you have adequate insurance to protect you and your family, you’ll have a far higher chance of recovering financially and being able to provide for your family in the long term.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
