Public Liability Insurance*

Working with clients everyday helping to maintain and attend to their roofing needs is not a job that comes without some element of risk. Even if you stick to all the safety precautions and take all the care in the world accidents can still happen.

That’s where Public Liability insurance comes into play, an important form of insurance to protect your business for the legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity.

Your Public Liability insurance policy provides financial protection by covering the legal and defence costs, court attendance costs and compensation if awarded.

Portable Equipment Insurance*

You rely on your tools and specialised equipment to get the job done, so it makes sense to have some form of protection for them in place.

Portable Equipment insurance (also known as General Property insurance) covers you for loss and

damage to items of portable equipment associated with your business. These can include tools of

trade and items of stock.

Personal Accident and Illness*

Roofing is a physical profession that requires you to be physically fit and able to get the job done. If you were to become unexpectedly ill or receive an injury, how would you be able to keep your business going?

Personal Accident and Illness insurance provides a safeguard when disaster strikes at work and will also cover you when you can’t be out attending to your client’s lawn care needs.

Accidents can happen on even the most professional and organised working conditions. Should the unexpected happen, this product can provide an income if you’re unable to work due to illness or injury.

Business Insurance*

Business Insurance is an insurance package designed to provide cover for your business contents,

stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or

even accidental damage). You can include coverage options such as

Machinery Breakdown*

This insurance covers the cost to repair or replace specified machinery following a breakdown.

Contents, Building and Glass

If your roof contracting business has a workshop you may need to consider the following types of insurances in a Business Insurance package:

Contents*: Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.

Building*: Building Insurance covers your building if it is damaged by an insured event, such as fire, storm, malicious activity or other event as defined by the policy.

Glass*: Glass insurance provides cover for breakage of internal and external glass and signage you own or for which you are legally responsible, at the insured premises.