Learn more about how Morgan Insurance Broker's can protect your Roofing Business with Roofers Insurance
Roofers Insurance
Learn more about how Morgan Insurance Broker's can protect your Roofing Business
Public Liability Insurance
- Same Day Certificates of Currency
- $5M, $10M, $20M Limits Available
- Instant Quotes From Over 10+ Approved Australian Insurers
- Monthly Option Available
- Australia Wide Cover
The risks for a roofer are endless; from falls from heights, fragile roofs, falling objects, disturbing asbestos, and working with electricity to name a few. That’s why it’s important you have the right cover to protect yourself, your business, your employees, and the general public.
Public Liability Insurance protects your business for claims brought against you by third parties for property damage and person injuries that you’re liable for. A Public Liability Policy will also pay the legal and defence fees to defend you in the event of a claim. This policy is crucial to protect what you’ve worked so hard build.
What Insurances should I consider?
A roofer should consider the below Insurance policies to protect their business:
Cover for third party property damage and personal injury claims brought against your business
Cover against damage, loss, or theft for your plant, equipment and tools
Comprehensive Insurance for your registered vehicles such as cars, trucks and trailers
Cover for Statutory Fines & Penalities such as OH&S
Tool Cover
Without your tools, you cannot work. Insuring your tools will protect them from loss, damage or theft. Insurance will be able to pay for the replacement of new tools and equipment to get you back on the roof in no time.
Senior Insurance Broker & Director, Business Insurance Specialist in the roofing and construction industry
Lauren Spice - Director
Senior Insurance Broker, Director - Specialises in Business Insurance, Public Liability, Tools, Contract Works,
EXPERIENCE
15 + years in insurance broking
LOCATION
QLD, servicing Australia wide
How we've saved roofing companies on insurance
Brisbane roofing company saves $60,000 a year — after nearly a decade of overpaying on public liability
The problem
A Brisbane roofing company owner called me frustrated. His public liability premiums had been climbing every year with the same insurer — six-figure cover that other insurers could provide for significantly less. His previous broker had simply renewed the policy year after year without ever going back to the market.
Roofing is high-risk work. But high risk doesn't mean you accept whatever rate an insurer throws at you. It means you need a broker who knows which insurers understand roofing risk — and which ones are pricing it wrong.
What we did
We went to market properly — compiled his full risk profile, fleet size, work types, height work protocols, safety record, and claims history, and sent a full submission to multiple specialist insurers on our panel. I personally reached out to underwriters I'd worked with who hadn't seen his business before.
One insurer reviewed his safety systems and track record and saw him as a solid, well-managed risk — not just another roofing contractor to overcharge.
The best quote came in at $60,000 less per year than what he was paying. Same cover. Same protection. He'd been overpaying for years without realising he had other options.
If your roofing premiums keep climbing at renewal, call 1300 109 778
Get a quoteWA roofing company with a difficult claims history saves $30,000 on workers compensation
The problem
A Western Australian roofing company came to me with a significant challenge. Their workers compensation insurance renewal had been quoted in the seven-figure range — the result of a colourful claims history that had made their insurance particularly expensive.
This is the kind of case most brokers walk away from. A difficult claims history doesn't mean you're out of options — it means you need a broker who knows how to present your risk correctly and who has the insurer relationships to negotiate on your behalf.
What we did
I conducted a thorough review of their claims history and existing policy — understanding not just the numbers but the context behind each claim. I then engaged in extensive negotiations with a panel of insurance companies, presenting the business's risk management improvements and current safety protocols alongside the historical claims data.
Alongside the workers comp negotiation, I also reviewed their public liability insurance — a critical area for roofing companies given the high-risk nature of working at heights and the potential for serious third-party incidents. The combination of both reviews gave us leverage across the whole program.
The negotiation secured a new workers compensation rate approximately $30,000 less than the renewal with their existing provider — plus improved public liability terms. The client could operate with greater financial security going into the next year.
Complex claims history? We can still help. Call 1300 109 778 →
Get a quote
How Morgan Insurance Brokers can help
As your new Insurance Broker, we do all the hard work for you. We get to know you and your business so we can obtain the most comprehensive Insurance policy available. We obtain quotes from up to 15 insurers to ensure that you are not only receiving the best cover, but that it is also affordable as well.
Working from heights greater than 2 storeys? Handling asbestos? We can help. Most standard policies will exclude cover for these which could be detrimental to your business’s future. We can obtain policies that will provide you cover for all of your business insurance activities.
Did you know that working at heights is a leading cause of worker deaths and serious injury in Australia? Ensuring you have the right insurances in place is crucial to protect you, and your business.
Contact Morgan Insurance Brokers for your tailored Insurance Quote.
Did you know that working at heights is a leading cause of worker deaths and serious injury in Australia?Ensuring you have the right insurances in place is crucial to protect you, and your business
Contact Morgan Insurance Brokers for your tailored Insurance Quote.
Frequently Asked Questions
Standardly, most insurance policies will have a height limitation that will not cover any external works that exceed 2 storeys, or 10 metres high. It is crucial that you have an Insurance policy that will protect you whilst working at heights.
Also known as Statutory Liability, this Insurance cover can protect the directors and the company from fines and penalties for wrongful breach of key legislation. It will also cover the legal fees involved to defend you, and the investigation costs incurred as part of an inquiry. This cover is standardly insured under a broad Management Liability Insurance policy, however if greater limits are required, it can be insured separately on a more comprehensive cover.
Public Liability Insurance policies standardly offer limits of $5,000,000, $10,000,000 and $20,000,000
The limit that you will need is going to depend on the work that you undertake. I
f you are a sole trader doing residential maintenance works, a limit of $5,000,000 could be sufficient.
If you are installing new residential roofs, and also undertaking some light commercial works, a limit of $10,000,000 may be better suited.
A limit of $20,000,000 is recommended for a roofing companies that contracts to other building companies and/or does more commercial works rather than residential.
