Roofing Insurance Australia – Public Liability & Tool Cover for Roofers
Tailored insurance for roofers and metal roof specialists — liability, tools, vehicles and income protection.
Broker support that speaks tradie
Our plans provide extensive coverage options tailored to your needs and preferences.
Australia-wide cover
Our dedicated team is always here to assist you through every step of the process.
Fast quotes & same-day certificates
We offer customizable plans that adapt to your changing needs over time.
Roofing work carries real risk — from falling tiles to damaged ceilings or injuries on site. That’s why roofing liability insurance matters. ProTrades Insurance specialises in roofers public liability insurance, tools & equipment cover, commercial motor and personal accident. Whether you’re a sole trader or running a small roofing business, we tailor protection so you can get on site with confidence and meet client requirements fast.
At ProTrades Insurance, we specialise in insurance for roofing contractors, built to cover the unique risks of working at heights.
Whether you’re a sole trader or run a small crew, we offer tailored protection for public liability, tool cover, and personal accident insurance — so you’re backed every time you step onto a roof.
Why Roofers Need Liability
Working at heights, handling power tools and lifting heavy materials means accidents can happen. Roofing liability insurance helps protect you from the costs of property damage, personal injury to a third party, and legal fees. Most builders and commercial sites won’t let you start without proof of public liability. We issue Certificates of Currency the same day, so you stay site-ready.
Types of Roofing Trades We Cover
Roofing work comes in a few different flavours. We can help arrange roofing insurance in Australia for a wide range of roofers and roofing contractors, including:
- Roof plumbers (guttering, downpipes, flashings, roof plumbing)
- Metal roofing installers (Colorbond, long-run, commercial sheds)
- Tile roofers (repairs, re-bedding, re-pointing)
- Roof restoration contractors (cleaning, sealing, painting)
- Roof repair specialists (leaks, storm damage, emergency call-outs)
- Commercial roofing contractors (large sites, warehouses, strata)
- Gutter & fascia installers
Working at Heights
Roofing is high-risk work. Because you’re often working at heights, some insurers apply height-related conditions or exclusions (for example, work above certain storeys/metres). We’ll ask the right questions about your typical jobs and help arrange cover that matches how you actually work — so there are no nasty surprises if a claim happens.
How Much Does Roofing Insurance Cost?
Roofing insurance cost depends on a few key factors:
- your annual turnover
- number of employees and apprentices
- payments to subcontractors and labour hire
- the type of roofing work you do (metal, tile, restoration, commercial)
- the public liability limit you need (commonly $10m or $20m for many sites)
- your your sums insured for tools, trailers, vehicles and equipment
If you tell us what you do day-to-day, we’ll compare options and tailor the cover to your job and budget.
Roof Plumbers in Victoria
If you’re a roof plumber issuing compliance certificates in Victoria, you may need insurance that meets the requirements for licensed plumbing work (including any required endorsements). If you’re not sure what applies to your situation, we’ll walk you through it and make sure you’re set up correctly.
Public Liability Insurance for Roofers
The backbone of any roofing package. Covers accidental damage to a client’s property and injury to others, plus defence costs.
Common limits: $5m, $10m, $20m
Often a site requirement
Essential for sole traders, subcontractors and roofing business owners
Tools & Equipment Insurance
Protects nail guns, ladders, harnesses, power tools, trailers and more against theft, fire, storm and accidental damage — whether stored in a ute, shed or on site.
Roofing Business Insurance (Packages)
Bundle multiple policies for a single roofing business package: public & products liability, tools & equipment, commercial motor, workers compensation, and business interruption to help with cash flow during downtime.
Who Needs Roofing Insurance?
Tailored protection for every kind of roofer — from solo contractors to growing businesses.
-
Sole trader roofersWorking residential jobs and small repairs.
-
SubcontractorsWorking under builders and head contractors.
-
Small roofing businessesWith apprentices and on-site staff.
-
Metal roofing specialistsHandling large or commercial installs.
Common Roofing Insurance Claims
Get Covered in 3 Simple Steps
What Other Roofers Say
“Needed public liability fast for a metal roofing job. ProTrades had the certificate in my inbox same day — no mucking around.”
“Trailer with nail guns went missing overnight. Claim was painless and I was back on the tools within the week.”
“They actually understood our risks and bundled the right covers — liability, tools and vehicles — at a sharp price.”
Why Choose Us?
At ProTrades, we do more than just sell insurance—we provide tailored protection designed specifically for tradies. We understand the unique risks and challenges of your trade, and we’re committed to making insurance simple, affordable, and stress-free.
We focus exclusively on trade professionals, so we know exactly what coverage you need—without the unnecessary extras.
No one-size-fits-all policies here. We customize your insurance to match your trade, ensuring you’re covered for the real risks you face.
If the unexpected happens, our team takes care of the hard work, liaising with insurers on your behalf to ensure a smooth and stress-free claims process.
Cash flow can be tight, so we offer pay-by-the-month options (via Premium Funding – additional charges apply) to help you manage costs.
We believe in transparency. We’ll review your policy, break it down in simple terms, and highlight any gaps—so you know exactly what you’re getting.
Whether you’re in Perth, Brisbane, Darwin, Hobart, Melbourne or anywhere in between, we’ve got your back with insurance that travels with you.
Roofing Insurance – FAQs
Quick answers to the most common questions from Aussie roofers and metal roofing specialists.
Q Do roofers need public liability insurance in Australia?
Yes. Most sites and builders require roofers public liability insurance before you start. It covers accidental property damage, injury to others and associated legal fees. Common limits are $5m, $10m or $20m.
Q What does roofing liability insurance cover?
Cover typically includes accidental property damage, personal injury to third parties and defence costs. It can also include products liability for damage or injury arising from materials supplied or installed.
Q Does tools insurance cover ladders, harnesses and nail guns?
Yes. Tools & equipment insurance can cover ladders, harnesses, nail guns, power tools and trailers against theft from secure storage, accidental damage, fire and storm.
Q Can sole traders and subcontractors get roofing insurance?
Absolutely. We tailor policies for sole traders, ABN subcontractors and growing roofing businesses. Same-day Certificates of Currency available for site access.
Q How quickly can I get proof of insurance for site access?
Once your cover is confirmed, we can issue your Certificate of Currency the same day by email, so you can start without delays.