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    ROOFERS INSURANCE

    OUR EXPERIENCE WITH ROOFERS

    Atlantic have been looking after the Insurance needs of Roofers for many years.

    Roofers activities can vary greatly with some businesses specialists at restoring Tile Roofs, others concentrating on renovations and in many situations offering Roofing services in line with Plumbing activities and guidelines.

    Where your roofing activities include the requirement to provide a Plumbers Compliance Certificate in Victoria, Atlantic’s experience servicing the needs of Plumbers for over 25 years is extremely valuable. Your Insurance requirements will be very specific and will require an endorsement to meet the Ministerial Order.

    Whether you require a compliant Plumbers Liability Policy which incorporates Roofing Activities, are a Licenced Plumber or an expert in renovating Roofs Atlantic Trades Insurance can assist you.

    ATLANTIC ROOFERS INSURANCE SERVICES & ADVANTAGES

    • Competitive Premiums
    • Monthly premiums available at no additional cost
    • No paperwork to complete
    • Access to a wide range of products and insurers for all classes
    • Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
    • Plumbers Ministerial Order endorsement where required

    ROOFERS COVERAGE CONSIDERATIONS

    Whilst Public Liability and whether the Plumbers Ministerial Order endorsement is required is a very important coverage consideration there are many other Insurances a Roofing Business will need to consider. This includes cover for Tools of Trade, your Motor Vehicles, Plant & Machinery or even Contract Works if you are responsible for the Materials being used to install / repair the Roof. Click below to find out more information on some of the common policies that we discuss with Roofing Clients.

    Income Protection
    Insurance

    Income Protection
    Insurance

    Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

    Workers Compensation
    Insurance

    Workers Compensation
    Insurance

    Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.

    Goods In Transit
    Insurance

    Goods In Transit
    Insurance

    If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.

    Management
    Liability Insurance

    Management
    Liability Insurance

    We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

    Construction Insurance

    Construction Insurance

    With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.

    Plant &
    Machinery

    Plant &
    Machinery

    Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.

    Commercial Motor
    Insurance

    Commercial Motor
    Insurance

    We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.

    Business / Factory
    Insurance

    Business / Factory
    Insurance

    If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.

    Tax Audit
    Insurance

    Tax Audit
    Insurance

    The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.

    Injury & Illness
    Insurance

    Injury & Illness
    Insurance

    If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.

    Tools
    Insurance

    Tools
    Insurance

    If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.

    ROOFERS RISK – OUR OBSERVATIONS

    Where a Plumbing Licence is required for Roofers, whilst the CPL (Consumer Protection Liability) of a Victorian Plumbers Liability Policy does provide a level of protection for the consumer, it is an area Insurers have become increasingly mindful of during the past 10 years where property development and home renovations have taken-off.  Inevitably this surge in activity is leading to an increase in claims activity.  The reality is that issuing a compliance certificate for works undertaken does become a means from which the consumer can liaise with the VBA and secure the details of the Plumber and ultimately lodge a claim against their Plumbers Liability Policy.

    CURRENT CLAIMS LANDSCAPE

    A Roofers Public Liability Policy is designed to provide coverage for you and your business in the event that a third party suffer a personal injury or damage to their property as result of your negligence.

    Insurers currently have a particular focus on Plumbers, Roofers and other Trades working at heights both internally within unit / apartment complexes and also externally on Roofs. Many insurers have started including exclusions and endorsements for businesses working above two stories in height and particular attention needs to be given to these exclusions and endorsements to ensure there is an understanding of how they will apply should a claim arise. Speak with one of our experienced Client Managers who will be able to assist.

    OUR EXPERIENCE WITH ROOFERS

    Atlantic have been looking after the Insurance needs of Roofers for many years.

    Roofers activities can vary greatly with some businesses specialists at restoring Tile Roofs, others concentrating on renovations and in many situations offering Roofing services in line with Plumbing activities and guidelines.

    Where your roofing activities include the requirement to provide a Plumbers Compliance Certificate in Victoria, Atlantic’s experience servicing the needs of Plumbers for over 25 years is extremely valuable. Your Insurance requirements will be very specific and will require an endorsement to meet the Ministerial Order.

    Whether you require a compliant Plumbers Liability Policy which incorporates Roofing Activities, are a Licenced Plumber or an expert in renovating Roofs Atlantic Trades Insurance can assist you.

    ATLANTIC ROOFERS INSURANCE SERVICES & ADVANTAGES

    • Competitive Premiums
    • Monthly premiums available at no additional cost
    • No paperwork to complete
    • Access to a wide range of products and insurers for all classes
    • Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
    • Plumbers Ministerial Order endorsement where required

    ROOFERS COVERAGE CONSIDERATIONS

    Whilst Public Liability and whether the Plumbers Ministerial Order endorsement is required is a very important coverage consideration there are many other Insurances a Roofing Business will need to consider. This includes cover for Tools of Trade, your Motor Vehicles, Plant & Machinery or even Contract Works if you are responsible for the Materials being used to install / repair the Roof. Click below to find out more information on some of the common policies that we discuss with Roofing Clients.

    Income Protection
    Insurance

    Income Protection
    Insurance

    Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

    Workers Compensation
    Insurance

    Workers Compensation
    Insurance

    Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.

    Goods In Transit
    Insurance

    Goods In Transit
    Insurance

    If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.

    Management
    Liability Insurance

    Management
    Liability Insurance

    We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

    Construction Insurance

    Construction Insurance

    With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.

    Plant &
    Machinery

    Plant &
    Machinery

    Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.

    Commercial Motor
    Insurance

    Commercial Motor
    Insurance

    We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.

    Business / Factory
    Insurance

    Business / Factory
    Insurance

    If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.

    Tax Audit
    Insurance

    Tax Audit
    Insurance

    The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.

    Injury & Illness
    Insurance

    Injury & Illness
    Insurance

    If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.

    Tools
    Insurance

    Tools
    Insurance

    If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.

    ROOFERS RISK – OUR OBSERVATIONS

    Where a Plumbing Licence is required for Roofers, whilst the CPL (Consumer Protection Liability) of a Victorian Plumbers Liability Policy does provide a level of protection for the consumer, it is an area Insurers have become increasingly mindful of during the past 10 years where property development and home renovations have taken-off.  Inevitably this surge in activity is leading to an increase in claims activity.  The reality is that issuing a compliance certificate for works undertaken does become a means from which the consumer can liaise with the VBA and secure the details of the Plumber and ultimately lodge a claim against their Plumbers Liability Policy.

    CURRENT CLAIMS LANDSCAPE

    A Roofers Public Liability Policy is designed to provide coverage for you and your business in the event that a third party suffer a personal injury or damage to their property as result of your negligence.

    Insurers currently have a particular focus on Plumbers, Roofers and other Trades working at heights both internally within unit / apartment complexes and also externally on Roofs. Many insurers have started including exclusions and endorsements for businesses working above two stories in height and particular attention needs to be given to these exclusions and endorsements to ensure there is an understanding of how they will apply should a claim arise. Speak with one of our experienced Client Managers who will be able to assist.

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