Cover for Roofers — Even High-Risk Trades
Most insurers flinch at roofing. We don't. We specialise in placing high-risk, working-at-height trades with insurers who'll cover you fairly.
Key facts at a glance
- Profession
- Roofer
- Recommended priority cover
- Income Protection
- Typical benefit
- ≈ £2,100/mo — Example benefit on a £36,000 income (up to ~70%)
- Adviser
- FCA-regulated, whole-of-market UK broker
Reviewed by the LifeInsuranceForMe advice team · Last updated June 2026 · FCA-regulated UK broker
This is where placement really matters: roofers working below roughly 40 feet can usually get income protection (often with a three-month wait), while work above 40 feet is widely declined. The critical-illness disability benefit is frequently unavailable for roofers.
High-risk trade? Income protection matters most
Roofing carries serious fall risk and no sick pay. We specialise in placing roofers with insurers who'll actually cover working at height — where comparison sites simply decline you.
- Specialist placement for working-at-height trades
- Up to ~70% of earnings replaced while you can't work
- Clear, upfront terms on any height-related exclusions
- Self-employed and CIS earnings covered
Why It Matters
The Risks Roofers Need to Plan For
Roofing is one of the highest-risk trades, which is exactly why protection matters most. Here's the exposure.
Falls from height
The single biggest occupational risk in roofing — and the reason cover is essential.
No sick pay
Self-employed roofers have nothing coming in if they can't work.
Weather & seasonal work
Lost days stack up; protection smooths the income gaps illness creates.
Long-term injury
A serious fall can end a roofing career — life and critical illness cover protect your family.
Recommended Cover
The Right Protection for Roofers
Based on the specific risks of your profession, here's what we typically recommend — ranked by priority.
Income Protection
We place roofers with insurers willing to cover at-height work, often with sensible terms.
Life Insurance
Clears the mortgage and protects your family — priced for your trade by the right insurer.
Critical Illness Cover
A lump sum on diagnosis to support you and your family during recovery.
Why Your Job Is Different
How We Get Roofers a Better Deal
Mainstream insurers often misprice or misunderstand your profession. Here's how we fix that.
High-risk trade specialists
Where comparison sites decline you, we have insurers who quote roofers properly.
Honest about exclusions
We explain any exclusions clearly so you know exactly what you're covered for.
Self-employed focused
Cover built around real earnings with no employer sick pay assumed.
"Three comparison sites declined me for income protection. LifeInsuranceForMe got me covered in a week. Brilliant for high-risk trades."
FAQs
Roofer Insurance — Your Questions Answered
Life Insurance & Income Protection
Roofer FAQs — Life Insurance & Income Protection
Common questions UK roofers ask about protecting their income and family.
Get Your Quote
Compare Whole-of-Market Quotes in Minutes
No spam. No pressure. A specialist UK broker will call you within one working day.
What cover are you interested in? (Select all that apply)
🛡️ Life Insurance
Lump sum for your family if you die
💷 Income Protection
Replace up to 70% of income if ill
❤️🩹 Critical Illness
Lump sum on diagnosis
🏠 Mortgage Protection
Clear your mortgage if you die
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