Roofing Insurance for height work, hot works, asbestos and contract works cover.
At Capital Corporate Risks, we arrange specialist insurance for roofing contractors across Dartford, Kent and the UK. Roofing is one of the most exposure-heavy trades in construction — work at height, hot-works fire risk, asbestos on older buildings and contract works in progress are routinely combined on a single job — and a generic commercial wording rarely responds well to all of them at once. We arrange cover that reflects how roofers actually work, with high-limit liability, unrestricted height cover, hot-works warranties properly explained, asbestos cover and contract works protection structured to main-contractor requirements.
As a Dartford-based specialist broker, we work with single-crew roofers through to multi-site commercial contractors, with cover that scales as your operation grows.
We provide bespoke policy cover for the specific exposures that define a roofing operation, from flat and pitched residential work through to complex industrial and commercial roofing. Generic commercial wordings routinely exclude or restrict the most exposed parts of the work. Our packages are built specifically for:
High-limit cover for third-party injury, water damage and adjoining-property risk on roofing sites.
Cover for height work on flat, pitched and industrial roofs without standard height restrictions.
Cover for torch-on, hot bitumen and fire-risk roofing work under hot-works warranty conditions.
Cover for notifiable non-licensed asbestos work on older roofs, gutters and roofing assemblies.
Cover for the roof under construction, including materials in transit, on site and during install.
Our roofing packages are structured around the cover your contracts genuinely require. Indemnity limits are set with insurers who understand height work, hot-works fire risk, asbestos exposure and the contractual demands of principal contractors on commercial roofing projects.
Roofing exposures sit outside what a generic commercial wording will respond to. The specifics matter, and we make sure your policy answers them.
Roofing is heavily regulated under multiple frameworks at once. We make sure your cover sits alongside the statutory duties you already work to, with technical understanding of your obligations under the Health and Safety Executive (HSE):
Our client journey moves from risk discovery to properly structured cover, then into active support when your business needs help.
A detailed review of your operation — sites, contracts, workforce, equipment, materials and exposures.
We approach specialist insurers who understand roofing risk, not general panels with generic wordings.
Your cover is placed with the right insurer at the right terms — no shortcuts and no gaps.
Questions during the policy year are handled directly by your account manager, not a call centre.
When you need to claim, your dedicated Claims Manager manages the process from notification to settlement.
“Hot works warranties had caught us out before. The team walked us through exactly what the policy required and made sure our height and hot-works cover was watertight.”
Roofing clients frequently need adjacent cover across height-work, demolition and trade exposures. Explore our dedicated insurance frameworks for:
High-level liability and equipment protection for scaffold design, erection and dismantling.
Combined liability for trades involving asbestos, height, depth or hazardous environments.
Specialist protection for soft-strip, structural removal and high-hazard demolition exposures.
Cover for excavation, piling, underpinning and reinforced-concrete frame contractors.
Practical commercial cover for contractors, subcontractors and multi-trade businesses.
With proper sector knowledge, we ensure your policy is accurately rated and the right wordings are in place for the specific roofing work you carry out — including hot-works warranties and asbestos risk — reducing the risk of cover being challenged when a claim is made. Should you need to make a claim, your Claims Manager will provide one-to-one support for a fair and efficient resolution.
We manage your claims directly and conduct quarterly review processes, ensuring that as your business evolves — new contracts, new sites, new materials and methods — your coverage adapts alongside it.
It is a specialist commercial insurance package designed for roofing contractors, combining public and employers' liability, working-at-height cover, hot-works cover with warranty guidance, asbestos cover for notifiable non-licensed work, and contract works in a single, contract-ready policy.
Hot-works cover responds when the specific warranty conditions in your policy are met — typically permit-to-work, fire watch and combustible-material removal. We explain exactly what your policy requires before a hot-works job, not after a claim.
Yes. We arrange cover for notifiable non-licensed asbestos work (NNLW) on older roofs, gutters and roofing assemblies, with policy conditions aligned to the Control of Asbestos Regulations 2012.
Yes. We arrange unrestricted height cover for high-rise, complex and industrial roofing projects, without the height carve-out that standard policies routinely impose.
Yes. We arrange contract works cover that protects the roof during construction, including materials in transit, on site and during installation.
Do not leave your hot works, height or asbestos risk to chance. Contact our Dartford office to speak with a specialist account manager about your roofing insurance needs. Fill out our quote form or call us directly.
Call Us: 01322 933 888
Email: enquiries@ccrisks.co.uk
