Roofers insurance in Tetbury

Roofing in Tetbury is not standard-market roofing. This is a Cotswold market town built in local stone, with a dense listed-building centre along Long Street, Church Street and the Market Place, and a roofscape dominated by heavy Cotswold stone tiles rather than modern concrete interlockers. Most insurers treat the trade as high-risk before they even look at the stock — working at height, heat and torch-on work, and liability for what happens below. Apex arranges cover that reflects how roofing actually works in this part of the southern Cotswolds, placed by a named broker who will work to present your risk properly to the insurers who understand this kind of work.

Key covers for roofers

• Public liability — injury or property damage from your work, including work at height and falling stone tiles onto Tetbury's narrow, footfall-heavy streets — often £5m–£10m depending on the contract.
• Employers liability — legally required for employed and labour-only sub-contractors.
• Tools and equipment — theft of tools and plant from site, van or premises, subject to policy terms.
• Contract works — work in progress against fire, storm and vandalism before hand-over, sized to Cotswold stone like-for-like reinstatement where you are on listed stock.
• Heat and 'hot works' — cover for torch-on felt and heat-based methods, subject to conditions that matter on timber-framed and listed roof structures.
• Professional indemnity — relevant only if you take on design responsibility, for example specifying a re-roof detail or a structural change rather than working to another party's spec.
• Personal accident — optional cover if injury stops you working.

Tetbury-specific roofing considerations

• Cotswold stone-tile roofs — graduated natural stone slates are heavy and skilled to lay; a slip, a failed batten fixing or a dropped tile is both a liability and a reinstatement issue, and the material cost of replacement in kind is well above modern tile.
• Listed and conservation work — the density of listed stock along Long Street, Church Street and the Market Place means much roofing here needs like-for-like reinstatement and heritage-competent methods, with listed building consent driving longer timescales.
• Narrow streets and coach tourism — the central street pattern is tight and heavily used by visitors and tourist coaches, especially around Highgrove and Westonbirt peaks, sharpening the public liability exposure for anything worked from the street or a scaffold above it.
• Steep pitches and valley access — traditional Cotswold roofs run steep, with valleys, dormers and stone-tiled hips that make access and edge protection a genuine working-at-height issue.
• Rural estate and barn conversions — the surrounding country-estate and equine belt brings older, larger and mixed roof structures, including flat commercial and outbuilding roofs alongside traditional pitched stone.

Compliance considerations for roofers

Working at Height Regulations 2005 duties — the practical baseline on Tetbury's steep stone-tiled pitches.

NFRC and CompetentRoofer scheme evidence where you are a member, plus heritage-competence expectations on listed and conservation work.

Hot-works permit and fire-watch conditions from insurers, which carry more weight over timber-framed and listed roof structures.

CDM 2015 duties on larger contracts, including estate and barn-conversion work.

What can go wrong

A stone tile or offcut dropped from a scaffold onto a Long Street pavement injures a visitor or passer-by — public liability responds.

Damage to a neighbouring listed property during party-wall or abutment work — public liability responds, and reinstatement in kind is costly.

An employee falls from a steep pitch or valley — employers liability responds; RIDDOR/HSE involvement likely.

A part-finished re-roof is exposed to storm before the stone tiles are re-laid and made watertight — contract works cover.

A re-roof detail you specified causes a latent defect — professional indemnity territory, and only if you took on the design.

Frequently asked

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