Roofing and scaffolding

Liability & Construction

We are the 'go-to' provider for Roofing and Scaffolding risks via Aviva's platform Marketplace, demonstrating the quality of our product and level of expertise that we hold.


Due to the added risk that working at height brings, insuring a roofing or scaffolding business requires a specialist cover.

Our scheme covers the legal liability of Roofers & Scaffolders for Employees, Third Party Property & Injury and Products in respect of any damage or injury caused by them. It offers all the benefits you’d expect to see as standard for a minimum annual premium of £7,500 +IPT (£6,500 +IPT for domestic only where no use of heat).

Submit your risk online

Submit details of your risk directly to our underwriters for priority review.

Access broker portal

Key documents

Proposal form

Policy wording

Policy overview (IDD Compliant)

Report a claim

Product Oversight & Governance


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Helpline details

Claims Service – 0800 015 1498

Legal and Tax Helpline – 0345 300 1899

Commercial Legal Protection – 0345 300 1899

Risk Solutions Helpline – 0345 366 6666

Counselling Service Helpline – 0117 934 0105

Key benefits

No Height Limit

Includes Heat Use Away where applicable

Includes Site Death and Capital Benefits PA Cover as standard

Additional Discounts and Low Claims Rebates for select Trade Association Members*

Excess Layers available for EL and PL

Financial Loss and Professional Indemnity included

Excess applies to Third Party Property Damage claims only

Free risk management survey

No administration or documentation fees

Options to include Contract Works and Plant

*National Federation of Roofing Contractors (NFRC), Confederation of Roofing Contractors (CORC), National Access and Scaffold Confederation (NASC), Scaffolders Association (Tier 3), Lead Contractors Association (LCA) and Federation of Traditional Metal Roofing Contractors (FTMRC).


  • Employers Liability – £10M LOI
  • Public & Products Liability – £5M LOI (with higher limits available)
  • Financial Loss £125,000 in the aggregate, £25,000 any one event
  • Professional Indemnity £125,000 in the aggregate, £25,000 any one event
  • Reduced Plant rates for scaffolding equipment
  • Additional discounts for good performing risks
  • Additional discount for Experian rated low risk clients
  • 90% minimum and deposit basis available

Target Business

  • Roofers & Scaffolders with annual turnovers in excess of £750k
  • Risks with proven Risk Management and Health & Safety cultures
  • Minimum premium £7,500 +IPT (£6,500 +IPT for domestic only where no use of heat)

Related products

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Please note, we are only permitted to deal with Insurance Brokers. If you are a customer, please contact your Insurance Broker for advice and information regarding your Insurance cover.