Insurance for Roofing Contractors

Roofing Contractor Insurance protects you from financial risks on the job – from damaging a client’s property to accidental injuries caused during work. Whether you are working on residential roofs, commercial sites, or multi-storey buildings, roofers insurance cover helps protect your business and reputation.

Do Roofing Contractors Need Insurance?

Yes – Roofing work involves heights, power tools, heavy materials, and working around clients’ homes or commercial properties. Whether you are a sole trader, subcontractor, or manage a roofing team, your work often involves heights, power tools, and exposure to the elements – all of which carry risk. Without insurance, a single mistake or accident could have serious financial consequences for your business. We help roofers get quick, affordable insurance quotes for public liability, tools, working at heights, and more.

Compare Roofing Contractor Insurance Quotes

We compare quotes from Australia’s top trade insurers for roofing contractors. Whether you specialise in metal roofing, tile repairs, re-roofing, or large-scale developments, we will get quotes and provide you with comparable prices and coverage so you can select a policy that’s suitable for you.

Roofing Contractor Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in the roofing industry. We partner with leading insurers like CGU, QBE, Vero, Allianz, Zurich and more to offer cover tailored to Roofing Contractors, whether you specialise in repairs, re-roofing, new builds, or residential and commercial projects.

What Insurance Does a Roofing Contractor Need?

Along with public liability insurance, which covers roofing businesses for property damage or personal injury that a third party suffers as a result of your work activities, the type of insurance you need depends on factors such as work activities and environment. Here are the most common types of insurance for roofing contractors in Australia:

Public Liability Insurance

Protects you if your work causes injury or damage to property. For example, a tile falling and damaging a car or tools dropping from a roof.

General Property (Tools Insurance)

Covers theft or accidental damage to your tools and equipment – from nail guns and drills to ladders and harnesses.

Personal Accident

Provides a source of income if you are injured on the job and unable to work. This is especially important for self-employed roofers or those without access to sick leave.

Commercial Motor Insurance

Covers your work vehicle for theft, accidents, and damage – including any materials, tools, or gear stored inside or on trailers.

How Much Does Roofing Insurance Cost?

The cost of roofing contractor insurance depends on factors such as the heights you work at and the amount of cover required. Depending on the insurer, annual and monthly payment options are often available.

Get Roofing Contractor Quotes

Fill out our form for instant access to quotes for roofing contractor liability insurance, tools, commercial motor and income protection.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
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No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

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Type

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What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

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Customise Your Liability Insurance

Preferred limit of Liability

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Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

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Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

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General Property

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Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

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Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

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Expert Knowledge

A professional broker ensures you have suitable coverage for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you're covered, and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance Do Roofing Contractors Need?

Most roofing contractors opt for $10 million in Public Liability Insurance, although $5 million may be suitable for smaller residential jobs. Larger commercial projects or council contracts may require $20 million.

Consider:

Working at heights and on roofs
Use of power tools and machinery
Whether you employ staff or subcontractors
Residential repairs vs large-scale commercial builds

FAQs About Roofing Insurance

Do I need insurance if I only do small roof repairs?

Yes – even minor jobs carry risks like property damage, personal injury, or tool theft.

What if I work at heights?

Let us know if you regularly work above two storeys or use safety harnesses and scaffolding – we can include high-risk cover in your policy.

Can I insure my roofing tools and equipment?

Yes – as long as your tools, machinery, or trailers are listed, they can be covered.

Can I be covered under a builder’s insurance?

Not usually – most builders will require roofing contractors to hold their own Public Liability insurance.

What are some examples of public liability claims?

Examples of real public liability claims include the following – could you afford to cover the costs out of pocket if something like this happened on the job?

Falling Tile Damage – While replacing a roof, a tile slipped and cracked the homeowner’s skylight. Claim: $4,100. Fully covered by the insurer.
Tool Dropped from Roof – A roofer accidentally dropped a hammer, damaging a client’s parked vehicle below. Liability cover paid $2,900 for repairs.
Ladder Knocked Over – A ladder was blown over by wind and shattered a large glass fence panel. The claim was $3,750 and paid in full by the insurer.

Roofing Insurance Australia-Wide

Ausure helps roofing contractors throughout Australia find roofers insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with roofing insurance that meets your business and budget through our key insurance partners.

What Makes Ausure the Right Choice for Your Roofing Insurance?

Quotes tailored specifically for roofing contractors
Cover available for tools, ladders, harnesses, and trailers
Fast turnaround so you can get on site without delays
Full claims support – we manage the entire process for you, from lodgement through to negotiation, to help get the best possible outcome
Flexible payment options – pay annually or in easy monthly instalments to suit your budget

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Roofing Contractors Insurance

Find roofers insurance cover at an affordable price for your business.