📖 Roofer Guide
The Roofer’s Guide to Income Protection
Been turned down online? That is the system, not you. Here is how high-risk trades actually get covered.
Get a Free Quote →Roofing is the classic case of a trade that automated comparison sites reject on sight. The risk is real, but ‘real risk’ and ‘uninsurable’ are not the same thing — they are simply two different conversations, and the second one needs a human placing the case.
The honest part of that conversation is exclusions. Some policies carve out specific height-related claims; a good broker tells you exactly what is and is not covered before you sign, so there is no argument later.
Quick Answers
Roofer Cover — Quick Questions
Why do I keep getting declined online?
Comparison engines auto-reject high-risk trades to keep things simple. A broker can take your case to an insurer that genuinely covers working at height.
Will my policy have exclusions?
It might, depending on the insurer. The important thing is that any exclusion is spelled out upfront — you should never discover one at claim stage.
Can I insure CIS income?
Yes. Whether you are paid through CIS or your own company, we work out cover from your real take-home.
Given the risk, is life cover worth it too?
Arguably more so than for most jobs. It clears the mortgage and protects your family, and we place it with insurers that quote roofers fairly rather than punitively.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.