7 Benefits Of Having Roofers’ Insurance In Ireland

Many elements influence the need for comprehensive roofers’ insurance in Ireland. From working at height to employing staff within a dangerous environment, there is ample potential for accidents and incidents that could result in costly claims.

Securing customised construction insurance is the only way to protect your health and business.

Let’s explore how the various elements of a tailored construction policy are hugely beneficial to roofers working in a high-risk sector.

 

1. Roofers’ insurance in Ireland offers protection against everyday risks

Given the high-risk nature of roofing, even a minor incident can lead to significant claims. This is where public liability insurance provides essential protection for roofers in Ireland.

The benefits to you:

Public liability insurance safeguards your business if a third party, such as a client, site visitor or member of the public, suffers an injury or experiences property damage as a result of your work.

A well-structured public liability policy will fully reflect the scope of your day-to-day activities and protect your business from costly legal claims.

 

2. It safeguards your team and your business

Roofing work carries inherent risks, and construction sites are among the most accident-prone environments.

For roofing contractors employing staff, whether on a part-time, full-time or contractual basis, employers’ liability insurance plays a crucial role in avoiding substantial financial exposure. Although not legally required in Ireland, it is often a standard requirement for both public and private sector contracts.

The benefits to you:

If an employee is injured on the job, claims can range from minor injuries to serious illness or long-term disability.

To prepare for such claims and the risk of them ending up in litigation, it is crucial to disclose all individuals working under your direction for optimal coverage, as insurers may reject claims where personnel were not declared.

 

3. A comprehensive policy provides peace of mind

Roofers’ insurance brings peace of mind to busy contractors. It’s important to secure a policy that offers more than just standard liability cover, and contractors’ all risks insurance plays a key role in this.

The benefits to you:

Contractors All Risks (CAR) insurance is one of the most robust and comprehensive forms of cover available to roofing professionals. It includes protection for materials, works in progress, and equipment on-site.

Specifically designed for the construction industry, it protects against a wide range of risks that can arise during a project, from accidental property damage to third-party injury.

 

 

4. It serves as a safety net for roofers offering design or specification advice

If you provide any form of design, layout or specification advice as part of your service, you are vulnerable to claims of negligence arising from errors or omissions. Professional indemnity insurance steps in as a crucial safeguard in such situations.

The benefits to you:

When you’re contractually responsible for any aspect of a project’s design, even the smallest oversight in advice provided or work carried out can lead to significant financial loss for a client, potentially resulting in legal action.

Without professional indemnity insurance, you may have no choice but to cover costly legal defence fees and compensation out of your pocket.

 

5. It steps in with financial support when injuries happen

Working at height remains one of the leading causes of workplace fatalities and serious injuries in this country. In an industry where such risks are ever-present, personal accident insurance is a valuable safety net for those working in this position.

The benefits to you:

This cover provides financial compensation in the event of serious injury, permanent disability or even death resulting from an accident, whether on or off the job. It covers medical costs and provides income replacement, ensuring that you or your family have financial support during recovery.

 

6. It can include long-term post-project protection

If you work on commercial or large-scale renovation projects, long-term protection can cover you against hidden defects that emerge after the completion of a build. This form of insurance is known as latent defect insurance.

The benefits to you:

Also known as a structural warranty, latent defect insurance can cover policyholders for a maximum of 12 years. It is usually taken on by a developer or property owner to shield against post-build issues such as faults in design, poor workmanship or faulty materials.

For roofers involved in projects where long-term structural integrity matters, ensuring that an appropriate latent defect policy is in place can protect the finished work and help to maintain your client relationships.

 

7. Roofers’ insurance can be customised for an exact fit

No two roofing projects are exactly alike, which is why a one-size-fits-all insurance policy is likely to fall short in the event of a claim.

With the help of an experienced insurance broker, you can craft a comprehensive construction insurance policy that reflects the specific nature of your work.

The benefits to you:

From choosing the right level of public and employers’ liability cover to including specialist protections like personal accident or professional indemnity insurance, a reliable insurance broker will help to ensure every aspect of your business is properly protected.

This not only facilitates more effective cover, but also ensures you’re not paying for unnecessary extras.

 

 

Experience the benefits of roofers’ insurance in Ireland with ERM

At ERM Financial Services, our team works closely with roofing contractors and construction businesses to understand their specific risks, ensuring each policy provides the right level of protection.

With over 30 years of experience in the Irish insurance market, we specialise in delivering tailored construction insurance and builders’ insurance for this high-risk sector.

Whether you need comprehensive cover or a more specialised policy, we’re here to help you find the right fit.

Contact us today for expert advice and customised insurance solutions that reflect the reality of your work.