roofer also known as a roof mechanic or roofing contractor is a tradesperson, who specializes in roof construction or replacing, repairing, and installing the roofs of buildings. Some occupations relating to a roofer are residential, commercial and industrial roofers.

Few potential risks faced by those working in this sector are:

  • Working at heights
  • Accidental injuries

Below we’ll discuss the underwriting criteria followed by insurers to underwrite any type of application received from a roofer.

Life Insurance:

Life Insurance for roofers whose job role involves working below 40 feet can often be offered at standard terms with most insurers. If the normal height worked at is over 40 feet then many insurance companies will increase the cost of the policy to cover the additional risk. There are rarely some insurance providers however who will offer standard terms for roofers regardless of the height at which they work.

Critical Illness cover:

Critical Illness Insurance for roofers is available at standard terms for most people who typically work below 40 feet. Whilst many insurance companies will increase the premiums for cover if normal working heights are above 40 feet, there are at present few companies who will offer standard terms for policy regardless of the height worked at.

Income Protection:

Roofers Income Protection is usually available with ‘own occupation’ terms with the right insurers. This means that any claim made by you will be assessed on your ability to work as a roofer. Other definitions such as ‘suited occupation’ or ‘any occupation’ are more complicated to secure successful claims with. It also offers a choice for a deferment period (waiting period to receive the benefit) of 4 – 52 weeks.

Please note: where Income Protection is not suitable for your circumstances you may consider Accident, Sickness and Unemployment Cover (short-term policy of 12 to 24 months)-should you become unable to work due to illness, disability or involuntary redundancy. Accident, Sickness and Unemployment policy covers you even if you have a medical condition that makes you ineligible for Income Protection or if the Income protection premiums are unaffordable.

roofer also known as a roof mechanic or roofing contractor is a tradesperson, who specializes in roof construction or replacing, repairing, and installing the roofs of buildings. Some occupations relating to a roofer are residential, commercial and industrial roofers.

Few potential risks faced by those working in this sector are:

  • Working at heights
  • Accidental injuries

Below we’ll discuss the underwriting criteria followed by insurers to underwrite any type of application received from a roofer.

Life Insurance:

Life Insurance for roofers whose job role involves working below 40 feet can often be offered at standard terms with most insurers. If the normal height worked at is over 40 feet then many insurance companies will increase the cost of the policy to cover the additional risk. There are rarely some insurance providers however who will offer standard terms for roofers regardless of the height at which they work.

Critical Illness cover:

Critical Illness Insurance for roofers is available at standard terms for most people who typically work below 40 feet. Whilst many insurance companies will increase the premiums for cover if normal working heights are above 40 feet, there are at present few companies who will offer standard terms for policy regardless of the height worked at.

Income Protection:

Roofers Income Protection is usually available with ‘own occupation’ terms with the right insurers. This means that any claim made by you will be assessed on your ability to work as a roofer. Other definitions such as ‘suited occupation’ or ‘any occupation’ are more complicated to secure successful claims with. It also offers a choice for a deferment period (waiting period to receive the benefit) of 4 – 52 weeks.

Please note: where Income Protection is not suitable for your circumstances you may consider Accident, Sickness and Unemployment Cover (short-term policy of 12 to 24 months)-should you become unable to work due to illness, disability or involuntary redundancy. Accident, Sickness and Unemployment policy covers you even if you have a medical condition that makes you ineligible for Income Protection or if the Income protection premiums are unaffordable.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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