Roofers Insurance

Being outside and on someone else’s roof means roofer’s public liability for a roofing business or a self-employed roofer should be highly considered. Accidents happen, people trip or drop tools from roofs and public liability insurance protects a roofing business against claims lodged against you by a third party, a customer, the general public, your contractors and suppliers.

It includes cover for third party personal injury, property damage and legal expenses in defending a claim. imar roof insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

Trusty circular saws, reliable ladders and riveters are only a few of the tools that may need to be insured in case they are damaged or stolen. imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business.

Tool insurance protects your tools or stock if they are stolen or damaged.  If your tools are stolen from a locked vehicle or premises, they are protected.* If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

*There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to the Product Disclosure Statement.

Unlimited height cover can be important for roof insurance and many insurers have a 2 storey or 10 metre height restriction for external work. At imar we can cover domestic, commercial and industrial work without any height restrictions.*

*Separate policies required for commercial and industrial work

Imar’s accident and sickness insurance (injury and illness insurance) covers you 24 /7 whether you’re roofing a house or playing footy on the local oval and you are accidently injured or suffer a covered illness and you can’t work for a temporary time.* It covers you for smaller injuries and larger injuries including death and quadriplegia.

*Covered up to 10 metres in height and can find other policies for unlimited height with alternative insurers

Cargo vans and service vans are essential for roofers and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall roofing insurance. Fully comprehensive or 3rd party policies are available.

With imar’s roofing insurance, injury to subcontractors is covered and our policy includes Vicarious Liability. So if you use subbies and as a result of their negligence, you are included in a legal action, you are covered.*

*Subcontractors need their own public liability insurance

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Roofers are often targeted for audits, so at IMAR we want to minimise your risk.

As a roofer, contract works insurance might be required to cover damage to the work you are doing while under construction from occurrences such as flood, storm, theft of materials and fire. This might require an additional policy and our friendly team can advise you further.