NFRC Roofing Contractor Insurance | Specialist Roof Installer Cover | SRS Insurance
SRS Insurance provides specialist insurance for NFRC roofing contractors, including pitched roofing, flat roofing, waterproofing, cladding, and building envelope installers. Tailored cover for domestic, commercial and industrial roofing professionals.
Why Roofing Contractors Need Specialist Insurance
Roofing is one of the most claim-intensive trades. Many standard contractor policies exclude or restrict roofing work, often without the installer realising.
We frequently find:
Common gaps in roofing policies
- Exclusions for working at height
- Hot works exclusions (e.g., torches, burners, boilers)
- No cover for waterproofing or weatherproofing
- Exclusions for “roofing over 10m / 15m / 20m”
- No protection for defective workmanship or resulting damage
- No cover for fire damage caused during works
- Limited cover for cladding and envelope systems
- No insurance for sub-contractors
- Incorrect Public Liability limits for commercial jobs
This creates huge risks
- Water ingress claims during or after install
- Fire damage from hot works
- Structural failure claims
- Court action from main contractors or clients
- Contractual breaches & withheld payments
- Insurers refusing to pay claims due to exclusions
Roofing contractors must have insurance built specifically for their trade — SRS Insurance provides exactly that.
Insurance for NFRC Registered Roof Installers
NFRC contractors work to recognised technical standards — your insurance should match the same level of professionalism.
We provide cover for:
NFRC roofing activities
- Slate & tile roofing
- Pitched roofs & trussed rafters
- Flat roofs (felt, liquid, EPDM, GRP, BUR systems)
- Commercial & industrial roofing
- Metal roofing
- Standing seam roofing
- Cladding & façade systems
- Rooflight installation
- Green roofs
- Warm & cold roof systems
- Emergency roofing repairs
Our policies include:
- Public & Products Liability
- High-limit cover for roofing risks
- Hot works endorsements
- Work at height cover
- Waterproofing & weatherproofing liability
- Professional Indemnity (where needed for design/spec)
- Tools, plant & contract works cover
- Employers’ Liability
- Subcontractor liability options
- Resulting damage cover
Pitched Roofing Insurance
We provide specialist insurance for pitched roofing contractors working with:
- Tiles & slates
- Timber structures
- Battens & breathable membranes
- Roofline systems
- Hip, valley & ridge details
Typical claim exposures include:
- Tile/slate slip causing injury or damage
- Wind uplift failures
- Incorrect fixings
- Membrane failure leading to leaks
- Scaffolding & access risks
Coverage includes PL, PI (optional), tools and material damage.
Flat Roofing & Waterproofing Insurance
Flat roofing involves complex materials and high defect exposure.
We insure installers using:
- Torch-on felt
- Built-up bitumen
- EPDM membranes
- Liquid-applied roofing systems
- GRP/Fibreglass roofing
- Inverted roof systems
Key protections include:
- Hot works fire damage
- Water ingress & waterproofing liability
- Material failure & workmanship risks
- Resulting damage cover
- Contract works for ongoing jobs
- PI for membrane specification (optional)
Flat roofing claims can be expensive — our policies reduce your exposure.
Commercial & Industrial Roofing Insurance
Commercial roofing carries higher contractual and structural risk.
We cover installers working on:
- Warehouses
- Factories
- Retail units
- Schools & public buildings
- Offices & multi-storey premises
Included protections:
- High-limit Public Liability
- Commercial structural risk cover
- Cladding & facade systems
- Specialist mechanical fixings
- Wind uplift failures
- Larger roof area exposure
Our commercial roofing insurance is tailored to higher-value work and contractual obligations.
Cladding, Building Envelope & Façade Installer Insurance
NFRC contractors increasingly work on building envelopes, which demand their own insurance considerations.
We cover:
- Metal cladding
- Composite panels
- Rainscreen facades
- Envelope waterproofing
- Rooflight integration
- Soffit & fascia systems
Key features:
- Cover for structural defects
- Moisture ingress & facade failure
- PI for system design integrations
- Fire spread and insulation risks (where applicable)
Emergency Roofing & Repair Contractor Insurance
For contractors offering emergency call-outs or storm damage repairs, we provide:
- Water ingress liability
- Wind damage
- Temporary repairs & make-safe work
- Work at height emergency access coverage
This is ideal for contractors doing fast-paced repair work.
Who We Insure
SRS Insurance supports:
- NFRC member roofing contractors
- Domestic roofing companies
- Commercial & industrial roofing firms
- Multi-trade building contractors
- Cladding & envelope installers
- Flat roofing specialists
- Heritage roofing contractors
- Emergency repair roofing firms
- Subcontractors for main contractors
Whether you are a sole trader roofer or a regional roofing contractor, we tailor cover to your exact work mix.
Why Choose SRS Insurance for NFRC Roofing Installer Cover?
- We specialise in roofing & building envelope insurance
- Deep understanding of NFRC standards and roofing risks
- Proper cover for hot works & high-level roofing
- Defect & water ingress cover normally excluded by others
- Same-day quotes & documents
- A-rated UK insurers only
- Policies built for domestic, commercial & industrial roofing
- Dedicated roofing insurance specialists
We protect your reputation, your workmanship, and your NFRC professional status.
Get an NFRC Roofing Installer Insurance Quote
For specialist roofing contractor insurance for NFRC members, contact:
SRS Insurance — protecting roofing professionals nationwide.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.