🏠Trades & Contractors

Public Liability Insurance for Roofers

Roofing is one of the highest-risk trades in New Zealand. Falls from height, falling debris, and weather exposure create serious injury and property damage risks. Our roofers insurance is specifically tailored to the NZ roofing industry.

✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $800💡 Free Expert Advice✓ No Obligation

✅ What's Covered for Roofers in NZ

Serious injury and death compensation claims

Property damage from falling debris

Damage to underlying roof structure

Guttering and flashing damage liability

Legal costs for defending fall claims

Third-party injury from roofing work

Damage to adjacent buildings

Typical NZ Premium

$800 – $2,000/year

Cover limits: $2M or $5M

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⚠️ Key Risks Facing Roofers in NZ

Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by roofers in New Zealand:

01Fatal or serious falls from roof height

02Falling tools or materials injuring pedestrians or neighbours

03Damage to underlying structure from poor work

04Weather damage during roofing work

05Injury from power tools on exposed roofs

06Damage to guttering, flashing, or downpipes

07Injury from roof edge collapses

08Asbestos exposure from old roof materials

Frequently Asked Questions

Is roofing work covered as a standard trade?

Roofing is high-risk. Some insurers won't cover it, or may charge extra or impose conditions. Disclose all roofing work when you quote. Specialist roofers insurance is available.

What if a neighbour is injured by falling tiles?

Your public liability covers the claim. This is why insurance is so critical for roofers—falling debris claims are common and costly.

Does the cover include residential and commercial roofs?

Most policies cover both. However, large commercial or industrial roofs, solar panel installation, or high-rise work may need special conditions or higher premiums.

Do I need separate fall protection insurance?

Public liability covers third-party injury. For your own protection from falls, you'll need ACC cover and possibly a fall arrest system policy. Check your ACC registration.